What is commonly covered under comprehensive auto insurance?

Comprehensive auto insurance provides coverage for a wide range of events that could cause damage to your vehicle, and theft of the vehicle is one of the key protections included in this type of policy. Specifically, comprehensive coverage ensures that if your car is stolen, the insurance company will compensate you for the loss based on the actual cash value of the vehicle at the time of the theft, minus any deductible you may have selected.

This type of insurance goes beyond the damages caused by collisions, encompassing various non-crash-related incidents, such as theft, vandalism, natural disasters, and damage from animals. Understanding this will help you recognize the importance of comprehensive coverage in protecting against potential financial losses from unforeseen events that are not related to accidents.

In contrast, the other options involve different aspects of auto insurance. License suspension is related to legal penalties and does not fall under any insurance coverage. Medical expenses after an accident are typically covered by health insurance or personal injury protection, not comprehensive auto insurance. Liability for damage to others is covered under liability insurance, which is distinct from comprehensive coverage that focuses on protecting your own vehicle from various risks.