More Than Just Accidents: Why Comprehensive Coverage Matters
Car insurance can feel confusing, but some coverages are just good to know — and comprehensive coverage is one of them.
Let’s break it down in a simple way.
🛡️ What Is Comprehensive Coverage?
Comprehensive coverage helps pay for damage to your car that wasn’t caused by a collision. It protects you from the unexpected — the stuff that happens when you’re not behind the wheel (or even if you are, but it’s not another car hitting you).
Think of it as protection from life’s little (or big) surprises.
🌀 What Does It Cover?
Here are a few common examples:
🌪️ Storm damage — hail, falling trees, wind
🔥 Fire
🦌 Hitting an animal — like a deer
🚘 Theft — if your car is stolen
🎨 Vandalism — like scratches, broken glass, or spray paint
🪟 Broken windows/windshields
Basically, if it’s not a crash but your car gets damaged — comprehensive coverage steps in.
🧾 What’s Not Covered?
Comprehensive doesn’t cover:
Accidents with other vehicles (that’s collision coverage)
Wear and tear or maintenance
Damage to someone else’s car
💡 Do You Need It?
You might want comprehensive coverage if:
Your car is valuable or fairly new
You park outside (exposed to weather or risk of theft)
You live in an area with lots of wildlife or storms
You simply want extra peace of mind
Many people combine comprehensive with collision to get full protection — often called “full coverage.”
✅ Let’s Make Sure You’re Protected
Whether you’re driving a new car, a daily workhorse, or something in between, comprehensive coverage can help protect your investment from the unexpected.
At RISE Insurance, we make it easy to understand what’s included and what you actually need — no pressure, just honest help. 📞 423-541-1111
