What Does Car Insurance Cover?
Owning a car is something that makes you feel a sense of freedom deep in your bones. Whether you’re commuting to work or taking a short weekend getaway, the moment you get behind the wheel, you feel a sweet sense of confidence. But we all know that traffic surprises are endless. Another person’s mistake, an unexpected weather event, or even a moment of unforeseen carelessness can cause material damage to your vehicle. That’s where comprehensive insurance comes in.
What does comprehensive insurance really cover?
While many people think comprehensive insurance only applies to collisions, its scope is actually much broader. In this article, we’ll discuss the coverage it offers in simple, understandable, and friendly terms. If you’re ready, let’s get started.
What is Comprehensive Insurance? A Brief and Clear Explanation
Comprehensive insurance is a type of insurance that covers your vehicle against various damages that may occur while driving or parked. Unlike traffic insurance, it protects your vehicle. This means that damage to your vehicle is covered according to the coverage provided in your policy, regardless of who is at fault.
Comprehensive insurance is entirely optional, but driving a car without insurance these days is like walking in the rain without an umbrella. You never know what might happen.
What Does Comprehensive Insurance Cover?
The scope of your insurance policy can vary depending on how you arrange your policy. However, in general, comprehensive insurance covers a wide range of risks, grouped under a few main headings. Let’s examine each one individually.
Collision and Collision Coverage
This is the most common part of car insurance. If your vehicle collides with another vehicle, a vehicle collides with you, you contact a fixed object (wall, pole, barrier, etc.), or your vehicle slips and spins, the insurance covers any damage that occurs.
This coverage allows you to resolve the issue with insurance without the panic of wondering, “How much will it cost now?”
Vehicle Fire
While vehicle fires are rare, the risk is always present. Fires can occur due to factors such as a battery explosion, an electrical fault, or a leak in the fuel system.
Car insurance covers the complete or partial combustion of the vehicle. This is one of the most important types of insurance that protects drivers from significant financial burdens.
Vehicle Theft or Attempted Theft
We all wonder, “I wonder if it’s safe?” when we park our car. Comprehensive insurance also provides coverage against theft and attempted theft.
If your vehicle is stolen or damaged during an attempted theft, your policy is activated. This covers any financial losses you may incur.
Third-Party Intentional Damage
In some cases, your vehicle may be intentionally damaged. Your windows may be broken, your vehicle may be scratched, a mirror may be broken…
Comprehensive insurance also covers such damage caused by malicious individuals. This coverage is especially important in large cities.
Natural Disasters
Natural disasters like earthquakes, floods, hail, storms, and landslides can cause serious damage to vehicles.
Having natural disaster coverage in your insurance provides significant security in such situations. Considering the recent floods caused by sudden hailstorms, the importance of this coverage is clear.
Animal Damage
Sometimes, an animal might suddenly appear in traffic or damage our vehicle while parked.
Car insurance also applies to damage caused by animals or animal collisions.
Lost Keys and Locksmith Services
The prices of newer car keys are quite high.
If your car insurance policy includes “lost key” coverage, the cost of replacing lost or stolen keys and the necessary precautions to protect your vehicle are covered.
Glass Damage
Your car insurance comes into play in cases of glass breakage or cracking.
Many car insurance policies cover glass damage without a deductible. This means your car insurance premium won’t increase the following year due to the damage. It’s one of the most popular coverage options.
Mini Repair Service
Minor issues like minor scratches, minor bumper damage, dent repair…
With our mini repair service, you can fix many minor damages free of charge without even taking your vehicle to the dealership. This service is one of the most popular insurance benefits for users.
Spare Vehicle Service
Insurers can provide you with a temporary vehicle to help you avoid disruptions while your vehicle is in the shop.
This is a lifesaver, especially for those who commute to work.
Additional Coverages That Expand Your Car Insurance Coverage
You can expand your car insurance policy not only with the main coverage but also with additional coverage. For example:
- Personal accident coverage
- Waste vehicle value protection
- Cigarette burn coverage
- Improper fuel fill-up coverage
- Overseas coverage
- Legal protection
These types of additional coverages make your policy stronger and more tailored to your needs.
What Doesn’t Comprehensive Insurance Cover?
Although comprehensive coverage is available, there are still some situations that are not covered by comprehensive insurance. It’s important to know these:
- Driver driving under the influence of alcohol or drugs
- Using the vehicle for racing
- Mechanical malfunctions due to neglected maintenance
- Damage caused intentionally
- These types of situations are excluded from the policy.