What Is Comprehensive Car Insurance Coverage?

Comprehensive Car Insurance protects your vehicle against non-collision events—damage that isn’t caused by an accident with another car. This includes theft, vandalism, fire, hail, flooding, falling objects, animal collisions, and natural disasters. If your car is stolen or damaged by something unexpected, this coverage helps pay for repair or replacement costs up to the car’s actual cash value (ACV).

Unlike Collision Coverage, which only applies to crashes, Comprehensive Coverage handles the unpredictable. It’s the safeguard that protects your vehicle from life’s curveballs—whether it’s a break-in overnight, a hurricane, or a tree branch falling during a storm.

This protection is especially important if your car is new, high-value, or financed, since lenders typically require it. When paired with Collision and Liability Insurance, Comprehensive Coverage provides full-spectrum protection for your vehicle, no matter what happens.

WHY BUSINESSES CHOOSE CASEY INSURANCE

1. Protection Beyond the Road

Our policies cover your car from a wide range of non-accident risks—offering peace of mind whether you’re driving, parked, or traveling.

2. Fast, Hassle-Free Claims

We handle every step of the claims process, coordinating directly with repair facilities to ensure fair estimates and quick turnarounds.

3. Custom Policy Options

From luxury sedans to everyday commuters, we tailor your coverage limits and deductibles to fit your budget and vehicle type.

4. Local Expertise You Can Count On

Serving coastal and hurricane-prone regions, we know how to structure policies that account for Florida’s unique environmental risks.

It covers non-collision events such as theft, fire, hail, flooding, vandalism, or hitting an animal. It protects your vehicle from damage caused by unpredictable circumstances.

No. It is not required by law, but it may be mandatory for financed or leased vehicles to protect the lender’s financial interest in the car.

The deductible is the amount you pay before insurance covers the rest of the repair or replacement cost. Higher deductibles lower monthly premiums, while lower deductibles reduce out-of-pocket expenses at claim time.

Comprehensive coverage protects against non-collision incidents like theft or weather, while Collision Coverage applies to accidents involving another vehicle or object.

Yes. If your vehicle is stolen and not recovered, your insurer will typically pay the actual cash value (ACV) of the car, minus your deductible.

Yes. Windshield and glass repair are usually included, and many insurers offer optional full glass coverage with no deductible for windshield-only claims.

Comprehensive insurance is recommended for newer vehicles, high-value cars, or drivers living in areas with high theft, weather, or wildlife risk, providing essential financial protection for your vehicle.

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