What is Comprehensive Auto Insurance?

Car Accident AttorneyA recent car accident on the Los Angeles free way that resulted in seven people being injured was described in this Silicon Valley Mercury news article. It illustrates the importance of having auto insurance. California law requires drivers to carry liability insurance. However, there are many different types of auto insurance available and one of the least understood is comprehensive auto insurance. Many people who visit California car accident lawyer Samer Habbas for a consultation have questions about insurance coverage. Here is a brief description of what comprehensive auto insurance is:

Bear in mind that the type of coverage provided by a comprehensive car insurance policy varies somewhat from one insurance company to another. It is also dependent upon the amount of money a driver spends on their individual policy. Generally speaking, comprehensive auto insurance covers:

  • Fire
  • Vandalism
  • Auto theft
  • Natural disasters
  • Accidents determined to be “Acts of God,” such as a tree falling on your car, etc.

What many drivers fail to realize is that comprehensive vehicle insurance does not cover damage caused in a car accident. That type of damage is covered by collision insurance. It is recommended that you carry both types of insurance. The amount of your out-of-pocket expense in a claim is dependent upon on the size of the deductible on the policy.

If you have been in a car accident and have questions about your insurance coverage that your insurance or claims agent did not answer satisfactorily, contact the auto accident attorneys at the Law Offices of Samer Habbas. Our professionals will review your insurance policy and explain your coverages, rights and responsibilities under the policy in a manner that is easy for you to understand.

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