It is the rare occasion where you hit something while driving and it is not counted against you as a responsible accident. Most states and insurance companies will not consider this kind of claim a responsible accident. Contact your insurance company to find out how they view this and make sure that there would not be charges associated with a comprehensive claim.

AAMI Life Insurance, AAMI Income Protection and Accidental Injury Insurance are issued by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) other than the Redundancy Benefit which is issued by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is  part of the Suncorp Group. Asteron is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Asteron is authorised to use the AAMI brand. The different entities of TAL and Suncorp are not responsible for, or liable in respect of, products and services provided by the other. AAI trading as AAMI does not provide any financial product advice in relation to AAMI Life Insurance, Accidental Injury and Income Protection (except in relation to the Redundancy Benefit) (Life Products). Any advice on this page in connection with the Life Products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).
No states require comprehensive coverage, but those who finance or lease their car will probably find that their lender or lessee requires it. Lenders and lessees are the official owners of the vehicle, so they want to make sure they're adequately protected in case of an incident. For the same reasons, you'll rarely be able to buy comprehensive insurance without also purchasing bodily injury liability and collision coverages.
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.

Description: Since the third-party insurance cover is mandatory, all non-life insurance companies have an obligation to provide this cover. In the Indian context, automobile dealers arrange for a comprehensive insurance cover along with vehicle registration. This comprehensive cover is an add-on to the mandatory third party cover and protects the car owner from financial losses, caused by damage or theft of the vehicle.


Look at cheap car insurance companies and see if they can provide free perks like our 24-hour claims service, an 800 number with a real person at the other end, our On Your Side Review (a free consultation to see if you have the insurance you need and the discounts you deserve) and Nationwide®AutoWatch®, which lets you monitor your covered auto repair online.
Policies typically use vague language when referring to acts of terrorism, but they are generally insured by the comprehensive portion of your policy. For example, if there is an act of terror and you need to make a claim on your car, that can only be made if you have comprehensive coverage. Since some circumstances are out of our control, comprehensive insurance is certainly important to have in your policy.
The legal liability of the insured person is covered under the third-party insurance policy in the case of disability or demise of the third party, and any damage or loss to the property of the third party. The third-party liability policy takes care of the financial and legal burden in such circumstances. Despite the fact that the direct beneficiary is neither the insurance company nor the insurer, but a third party, this is the most crucial benefit that a third party insurance secures for the owner or the driver of the insured vehicle.
Pretty much all drivers are subject to the risks mentioned above, so the short answer to the question is, "Almost everybody." Take animal collisions, for example. According to the Insurance Institute for Highway Safety, there are more than 1.5 million deer-vehicle collisions every year, resulting in over $1 billion in vehicle damage — and that's just deer-vehicle collisions.
Look at cheap car insurance companies and see if they can provide free perks like our 24-hour claims service, an 800 number with a real person at the other end, our On Your Side Review (a free consultation to see if you have the insurance you need and the discounts you deserve) and Nationwide®AutoWatch®, which lets you monitor your covered auto repair online.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Emily parked her car on the street outside a friend's building, during her visit the weather got bad, and she decided to stay the night instead of head home in the storm. The next morning when Emily went to leave she noticed the roof and hood of her car had huge welts in it. She figured it must have been caused by hail during the storm. She contacted her insurance company and they reassured her the loss would be taken care of by the comprehensive insurance coverage she selected when buying her policy although she would need to pay her $500 insurance deductible first.

To determine how much auto insurance is best for you comes down to understanding your current economic circumstances and how the different types of coverage work together. If you own a car, buying car insurance is inevitable, so it is really important you are getting the right amount for the right price. The following table gives a quick summary of what types of insurance you should have.
Comprehensive insurance is commonly confused with collision. They both insure your car but cover different events. Collision covers car accidents, and comprehensive covers events out of your control. Think of it like this: Collision is colliding with something else (other than animals). Comprehensive is basically all other events. Accidents with animals are covered by comprehensive (and not collision) because these accidents are considered out of your control.
×