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Arizona Automobile Insurance- What is Comprehensive Coverage?

Posted on: November 23rd, 2009 by admin
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Arizona Automobile Insurance

How well do you understand your Arizona automobile insurance  policy?  Chances are you do not understand it as well as you should.  Don’t be caught by surprise in your time of need—during an accident.  As an agent one of the biggest areas of confusion we find amongst our clients is the understanding of comprehensive vs. collision coverage.  Hopefully we can help to clear that issue up a bit today.

Comprehensive coverage—What is it?

Comprehensive coverage on your Arizona automobile insurance policy provides coverage for a car that is stolen or damaged as a result of causes other than collision.  Let’s look at a few examples of where comprehensive coverage would come into play.  For example, any damage caused by vandalism, theft, fire, wind, hail, flood, or earthquake would fall under the comprehensive coverage category.  Another situation where your comprehensive coverage would come into play is if you hit a bird or an animal.   Although hitting an animal technically could be considered a collision, for insurance purposes, it falls under the comprehensive category.

If you live in an area that has an abundant deer population you may be familiar with the phrase, “Don’t veer for deer.”  Multiple studies have found that it is much safer to hit a deer than to try to avoid it.  More auto deaths are related to a driver swerving on the road to miss a deer rather than just hitting the deer.  As a result of the statistics an insurance company would consider hitting a deer to be something covered under your comprehensive coverage. 

If you are involved in an accident in which you are determined to be at fault you will be penalized by the az automobile insurance companies and your rate will go up.  This applies to collision only.  Insurance companies will not penalize you for anything that falls under the comprehensive coverage category.

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