What is not covered under comprehensive insurance ?

FinanceandBusinessHub

What does comprehensive car insurance not cover?Understanding what comprehensive insurance does not cover can help you avoid unexpected expenses when you file an auto insurance claim.  Comprehensive car insurance protects your vehicle from certain non-collision events, but it does **not** cover everything that can happen to your car. In this video, we explain the most common exclusions and clarify the difference between comprehensive, collision, liability, and other types of auto insurance coverage.  In this video, you’ll learn:  * Why collision damage is usually not covered by comprehensive insurance * Why liability insurance covers damage or injuries you cause to others * Whether comprehensive coverage pays for your own medical expenses * Why normal wear, maintenance, and mechanical breakdowns are generally excluded * How intentional damage, racing, and certain business uses may affect coverage * Whether stolen personal belongings inside your vehicle are covered * How deductibles and policy exclusions can affect your claim * Why coverage can vary depending on your state, country, and insurance policy  Common comprehensive coverage may include theft, vandalism, hail, fire, falling objects, and animal strikes, but the exact protection depends on your policy.  If you’re wondering **what comprehensive insurance does not cover**, watch the full video before deciding whether to file a claim. If you find it useful, consider liking the video, leaving a comment, and subscribing for more practical insurance explanations.  #CarInsurance #ComprehensiveInsurance #AutoInsurance #InsuranceCoverage #InsuranceTips #CollisionCoverage #LiabilityInsurance #InsuranceClaim

Transcript

00:00Comprehensive insurance generally does not cover your own injuries, damage to another driver's

00:05vehicle, or losses caused by normal wear and maintenance. It is usually an optional auto

00:10insurance coverage that protects your vehicle against specific non-collision risks, but the

00:15exact exclusions vary by insurer, policy, and location. 1. Collision damage asterisk damage to

00:22your car from hitting another vehicle or object is normally handled by collision coverage,

00:27not comprehensive coverage. 2. Liability asterisk injuries or property damage you cause to other

00:33people are covered by liability insurance, not comprehensive. 3. Your medical expenses asterisk

00:40comprehensive coverage generally does not pay for your injuries after an accident. Medical payments

00:45or personal injury protection may apply, depending on the state. 4. Wear and mechanical failure asterisk

00:52tire wear. Brake replacement, engine problems, routine maintenance, and mechanical breakdowns

00:58are typically excluded unless the damage results from a covered event. 5. Intentional or excluded

01:04losses asterisk intentional damage. Racing-related losses and certain business use situations may be

01:10excluded. Personal belongings stolen from the vehicle may also require homeowners' or renters'

01:16insurance rather than comprehensive auto coverage. The answer changes significantly by state-slash-country

01:22and policy wording. For example, comprehensive coverage commonly includes theft, vandalism, hail,

01:29falling objects, fire, and animal strikes, but deductibles and exclusions differ. It also does not

01:35automatically mean everything except collisions. Before filing a claim, check your policy's comprehensive

01:41coverage section and deductible, then compare the repair cost with the amount the insurer would actually

01:47reimburse. Finally, remember that everything we discussed today is for educational purposes only and does

01:54not constitute financial advice. Good luck to everyone and see you in the next video.

Catégorie

Transcription

Recommandations