Does Comprehensive Car Insurance Cover That?

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comprehensive car insurance

Ohio is recognized as one of the friendliest states to live in, but we still have our share of accidents. As a leading car accident lawyer, Dyer, Garofalo, Mann, & Schultz one of the questions we receive frequently is, “what does comprehensive car insurance cover?”

Comprehensive insurance is different from your standard car insurance because it covers a unique set of issues your car may encounter. In fact, comprehensive car insurance works in such a way that even the best drivers opt for it to forego the additional costs not covered by regular insurance in extreme cases.

Here, we will delve deeper into what comprehensive car insurance covers, and discuss accidents covered by insurance in general. Here is what you should know.

Mysterious Scratches and Vandalism

It isn’t an everyday occurrence, but every once in awhile Ohio sees a case where somebody has had their car keyed or vandalized. Is this included in accidents covered by insurance? Not your regular insurance, no. This is a prime example of the type of issue comprehensive insurance covers.

Generally, your standard insurance is there to protect you from damaged property in the event of an accident. It doesn’t monitor the well-being of your car while it is parked in your driveway or stored in an underground parking lot.

In some instances, your vehicle may be covered by the insurance on a specific building or parking lot. This is generally not the case. However, there are some larger companies that make the effort to protect their client’s vehicles. If that lot does not have protection, however, comprehensive insurance is in your corner.

The Falling Piano Joke

You ever see the cartoon where the giant piano falls and crushes whatever it is the characters were trying to get home safely? This is unlikely, but a perfect example of accidents your insurance covers, well, comprehensive insurance at least.

If something should fall from the sky, whatever it may be, you can bet your comprehensive insurance covers the damage. This is an especially useful clause in cases where your car is parked near an awning where overhead ice and snow may fall during the night and the impact damages the vehicles below.

Comprehensive Car Insurance Covers Your Stolen Vehicle

Standard insurance is not usually helpful in cases of a missing vehicle, especially if you were negligent enough to leave the doors unlocked, or worse, the keys inside. Comprehensive car insurance covers this issue, and then some.

In cases of a stolen vehicle, especially if the culprit is found, you may also want to speak with your auto accident lawyer about your rights in suing for compensation and damage to the vehicle while it was out of your possession.

Comprehensive insurance covers a myriad of little things like this, which standard insurance tends to overlook. For most Americans, car insurance is something you purchase because it is generally illegal (in most states) to drive without it. So, people grab the cheapest deal they can get, which normally covers the minimum in a car accident and not much else. Comprehensive insurance covers all the extra bits and pieces car owners overlook, and you’ll be glad you have it when you need it.

Damage in the Wilderness

There are some parts of Ohio that seem overrun with little critters. From deer to raccoons, we see it all devastatingly displayed across the interstate. When something runs out and hits your car, or your car hits it, there is a chance that your vehicle will incur damage. The situation is sad, but it becomes even sadder when you realize your standard insurance coverage does not protect you against roadkill.

Comprehensive insurance covers damage caused by animals that run into the road. It does not matter what size the animal was. Your comprehensive insurance covers you and your vehicle, ensuring you don’t pay out of pocket for that dented fender or chipped paint.

Non-Accidents Covered by Comprehensive Car Insurance

Comprehensive insurance covers so much more than bumps, scrapes, and stolen goods. In fact, when considering accidents covered by insurance, you will be surprised to learn that your comprehensive car insurance covers inclement weather damage – even tornados.

Ohio sees its annual share of tornados, although in most cases your vehicle won’t be the target. What do you do if your car does get hit, though? Your comprehensive insurance covers wind and weather damage, including scratches and dents caused by pelting ice and other anomalies that occur during tornado season.

Similarly, you can count on your comprehensive insurance to cover your vehicle in the event of a flood. Water damage or a lost vehicle due to rushing waters (however improbable) are examples of accidents covered by insurance. 

Working with Your Auto Accident Lawyer

Still asking yourself, what does comprehensive car insurance cover? Your auto accident lawyer can help you sort through the details, and get you the compensation you deserve if you have any trouble with your policy not delivering.

As a leading auto accident lawyer in Ohio, Dyer, Garofalo, Mann, & Schultz work closely with our clients in a variety of auto accident cases, including those revolving around what comprehensive car insurance covers. Most Americans have no trouble getting comprehensive insurance to pay for what they promise, but if trouble avails, your auto accident lawyer will know what to do.

Your auto accident lawyer can also advise you in the best policies to choose, and what kind of protection it offers in cases of inclement weather, theft, falling debris, and more.

Contact Dyer, Garofalo, Mann, & Schultz

Not all accidents are covered by insurance, which is why comprehensive car insurance covers the rest. Whether you are a new driver or an old pro, we normally recommend our clients consider comprehensive coverage to avoid unnecessary costs.

For questions like, what does comprehensive car insurance cover, and much more, we are here to help. Review our list of legal services online, or contact us at 1-866-492-9214 to hear more about what we can do for you in the event of an auto accident.


Quick Answers

Does Comprehensive Insurance Covers Your Stolen Vehicle?

Standard insurance is not usually helpful in cases of a missing vehicle, especially if you were negligent enough to leave the doors unlocked, or worse, the keys inside. Comprehensive car insurance covers this issue, and then some.

What Non-Accidents are Covered by Insurance?

Comprehensive insurance covers so much more than bumps, scrapes, and stolen goods. In fact, when considering accidents covered by insurance, you will be surprised to learn that your comprehensive insurance covers inclement weather damage – even tornados.

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