What’s Covered Under a Comprehensive Insurance Policy?

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Coverage Under Comprehensive Insurance Policy in San Diego, CA


Comprehensive insurance is sometimes known as “other than collision insurance,” and it covers the cost of damage done to your car that’s beyond your control. The restrictions, limitations, and qualified items under this type of policy may vary, but below are some common incidents and accidents that are generally covered under the comprehensive auto insurance San Diego drivers purchase.


Thieves may steal your vehicle while you’re inside your home or out running errands. If your car is stolen, the first thing you should do is call the police and make a report. Your auto insurance provider will need a copy of this legal document when you file a claim. Coverage generally applies to:

  • Damaged ignitions
  • Smashed windows
  • Broken door or trunk locks

In many cases, the vehicle can be recovered, and there may be little or no damage. If the car isn’t found, the policyholder is entitled to the value of the vehicle. If an automobile is vandalized due to the theft, comprehensive insurance may cover repair costs. However, comprehensive auto insurance won’t cover losses from personal items inside the vehicle. Coverage only applies to auto features or things that are permanent or preinstalled.

Weather-Related Incidents

If your windshield is cracked because a storm caused rocks or other large objects to hit your vehicle, you should file a claim with your insurance provider immediately. Under comprehensive auto insurance, some damage caused by the weather is covered, depending on the incident. Another example would be a tree that falls over and smashes your car or causes other significant damage to the vehicle. Claim factors and coverage amounts typically include the type of damage, the costs of repairs, and other coverage limits detailed in your current policy.


Most homeowners policies don’t cover a vehicle damaged in a fire, even if the car is parked inside the garage or in the driveway. However, comprehensive auto insurance may include an array of incidents, such as damage caused by a fire. Although most auto insurance policies don’t cover mechanical issues, a fire might be an exception. The policy might cover the costs of repairing a faulty engine, depending on its actual value and other factors.

Animal Damage

Deer, moose, and other animals are known to run across streets and highways, causing significant damage to a vehicle if they’re hit. While hitting the animal would be a collision, damage caused by swerving to avoid the animal would be considered comprehensive—both are typically covered. Other animal incidents can occur off the road. For example, the wiring on your vehicle may become damaged due to an animal chewing on the wires. This type of incident is generally covered under comprehensive auto insurance. The amount depends on your deductible, coverage amounts, and the kind of damage done.

Drivers who are searching for reliable, affordable auto insurance should reach out to the experienced professionals at Altra Insurance Services. In addition to auto coverage, we offer a variety of insurance policies, including motorcycle, homeowners, and business insurance. San Diego residents can call one of our friendly agents today at 619-474-6666 for a free quote.

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