What is not covered by comprehensive ?

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What does comprehensive auto insurance not cover?** Understanding what comprehensive coverage excludes can help you avoid unexpected insurance costs. Comprehensive auto insurance is designed to protect your vehicle from non-collision events, but it does not cover every type of damage or loss.  In this video, we explain the most common exclusions and show how comprehensive coverage differs from collision, liability, and other types of auto insurance.  You’ll learn:  * Why collision damage usually requires collision coverage * Why injuries or damage you cause to others fall under liability insurance * Whether mechanical breakdowns, engine problems, and normal wear are covered * How medical expenses may be handled through medical payments or personal injury protection * Why stolen personal belongings, such as phones or laptops, may require homeowners or renters insurance * How intentional damage and certain illegal activities can affect coverage * How deductibles can affect the amount you receive from a covered claim  The exact answer to what comprehensive insurance does not cover depends on your policy, insurer, country, and—in the United States—your state. Comprehensive coverage may include a deductible, so understanding your policy’s exclusions is essential.  Before filing a claim, check the “Comprehensive/Other Than Collision” and “Exclusions” sections of your policy. If you found this information useful, watch the full video, leave a comment with your question, and subscribe for more practical insurance explanations.  #AutoInsurance #ComprehensiveInsurance #CarInsurance #InsuranceCoverage #CollisionCoverage #LiabilityInsurance #InsuranceTips

Transcript

00:00Comprehensive auto insurance does not cover damage caused by collisions with other vehicles

00:04or objects, and it generally does not cover injuries or damage you intentionally cause.

00:10Instead, comprehensive coverage is designed mainly for non-collision events such as theft,

00:15vandalism, fire, hail, falling objects, animal strikes, and certain weather-related damage.

00:21What is excluded can vary by policy, insurer, and location, so the exact policy wording controls.

00:281. Collision damage asterisk if you hit another car, pole, wall, or other object.

00:34Comprehensive usually does not pay. Collision coverage is the relevant coverage.

00:392. Liability asterisk damage or injuries you cause to another person are generally handled by liability

00:45insurance, not comprehensive. 3. Mechanical breakdown asterisk engine failure.

00:51Transmission problems, normal wear and tear, and maintenance issues are normally excluded.

00:564. Medical expenses asterisk comprehensive generally does not pay for your medical treatment after an

01:02accident. Medical payments or personal injury protection may apply, depending on the state.

01:085. Personal belongings asterisk items stolen from your vehicle, such as a laptop or phone,

01:14are typically not covered by comprehensive auto insurance. Homeowner's or renter's insurance may

01:19apply instead. 6. Intentional or illegal acts asterisk intentional damage and certain losses

01:26connected to illegal activity can be excluded. The answer changes significantly by country and U.S.

01:32state, because insurance regulations and policy definitions differ. For example, a comprehensive

01:38policy in the U.S. can have a deductible, commonly $250, $500, or $1,000. So even a covered claim

01:47may require

01:48you to pay that amount first. Practical takeaway asterisk check the comprehensive slash other

01:53than collision and exclusions sections of your declarations page and policy. If you want protection

01:59against crashes, make sure you also have collision and appropriate liability coverage. Finally,

02:05remember that everything we discussed today is for educational purposes only and does not constitute

02:10financial advice. Good luck to everyone and see you in the next video.

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