Comprehensive coverage is optional coverage. Although optional, auto lenders may require you to carry comprehensive insurance when leasing or financing a vehicle. It can cover damage caused by fire, hail, vandalism, theft or collisions with animals, among other unexpected and uncontrollable events. Comprehensive car coverage doesn't cover damage caused by a collision with another vehicle or object.
Your car insurance may cover the cost of repairing dents and scratches if you include comprehensive or collision coverage in your auto policy. Without these coverages, you may have to pay repair costs. Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for. If you accidentally dent someone's vehicle, hit their car door, or scratch another car, the property damage liability coverage under your auto insurance policy can cover the cost of repairs, up to the limit of your policy.
Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object other than a living animal. When it comes to dents, scratches, and dents on doors, most car insurance claims fall under collision or comprehensive coverage. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway.
This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. If the repair costs are less than your car insurance deductible, it makes sense to pay for the damage out of pocket. If someone else caused cosmetic damage to your car, for example, they dented your door with their door, your car insurance company may cover the cost of repairing your vehicle. Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage.
You can adjust the cost to a certain extent by opting for a higher car insurance deductible to lower your premiums, or vice versa. The medical payment coverage in your auto insurance policy will cover your co-worker's hospital bill up to the limits of your policy.