Even the most careful drivers occasionally get into accidents—that’s why auto insurance was created. But, your car can be damaged even if you’re not in a crash—which is why there’s comprehensive auto insurance. Comprehensive is an optional coverage, and without it, you might just be left holding the bag financially, according to the Insurance Information Institute (I.I.I.).
Simply put, comprehensive is coverage for events “other than collisions.” And here is one of eight things that you might not realize are covered by your comprehensive auto insurance policy.
A cracked or shattered windshield is a fairly common occurrence. If a piece of gravel or other road debris suddenly puts a ding in your vehicle’s windshield while you’re driving, it can quickly spread and become a large and dangerous crack. In fact, in many states it is illegal to drive with acracked orbroken windshield. Not only is such damage covered by your comprehensive policy, many companies offer the option of no-deductible coverage for glass damage specifically.
Unlike liability insurance, which you must purchase by law in order to drive in most states, comprehensive insurance is an optional coverage.
Check with your insurance professional to find the best auto coverage for your situation—in many cases a policy that combines liability with comprehensive and collision coverage provides the full breadth of insurance coverage you need, especially on a newer car.