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What is Comprehensive Car Insurance, what is comprehensive auto insurance.

#What #is #comprehensive #auto #insurance


What is comprehensive car insurance?

Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected by covering events other than a collision with another vehicle. It is typically purchased in addition to liability insurance, which is required by most states to drive legally, and collision insurance, which only applies to an accident involving another vehicle.

Avoiding car accidents is one way to stay safe in your car – but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps.

What does comprehensive auto insurance cover?

Comprehensive car insurance coverage is a type of auto coverage that pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy. Learn more about the difference between comprehensive and collision coverages.

A comprehensive car insurance policy may include coverage for:

  • A cracked or broken windshield, depending on the state in which you live
  • Damage from hitting a deer or other animal
  • Car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism
  • Damages caused by some events outside of human control, such as hail or other natural disasters
  • Damage caused by certain falling objects, such as tree branches or debris
  • Damages resulting from fires, civil commotions or explosions

A standard auto policy will not cover vintage or collector vehicles. If you own a classic car, learn more about Nationwide classic car insurance today.

Add endorsements to your comprehensive auto insurance for even more protection

It’s easy to customize your comprehensive insurance policy with a variety of endorsements, all designed to make your life easier, such as:

Adjust your comprehensive car insurance policy to fit your needs

Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.

You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive car insurance rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you have to file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.

Learn more about the definition of comprehensive coverage or start a comprehensive auto insurance quote above.

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.


What is Comprehensive Auto Insurance Coverage, comprehensive auto insurance. #Comprehensive #auto #insurance


What is Comprehensive Auto Insurance Coverage?

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Comprehensive auto insurance is a type of insurance coverage that protects against physical damage on your car, and is often referred to as “other than collision” (OTC) coverage, or simply “Comp”. The comprehensive coverage of an auto insurance policy can be a little confusing – so let’s take a look and lay it out in an easy to understand fashion.

Auto insurance has two general components – Liability coverage, and Physical Damage coverage. Liability, which is required in most states, is referred to as Bodily Injury Liability, and provides coverage in the event of bodily injury or death for which you are responsible. Physical damage coverage, which is usually optional, covers the cost of damage repairs (minus the deductible) on your car incurred as a result of some act or event that is covered in the insurance policy.

Within the Physical damage coverage component – there are two main, distinct types of coverage – collision and comprehensive. Collision covers damage to your car when your car is damaged in an accident. When your car collides with another object – or overturns or rolls – your collision coverage pays for the repairs. Colliding with an animal such as a deer is covered not in Collision, but in the Comprehensive component. Comprehensive covers physical damage outside the realm of what is covered in Collision.

Many people mistakenly interpret the term “comprehensive coverage” to mean that they are covered for any sort of damage to their cars. This is not true. Comprehensive coverage only pays the cost of damages that occur as a result of a non-collision incident. If you do not have collision coverage, you end up paying for the expenses incurred in an accident. Also, drivers should be aware that comprehensive covers the cost of repairing or replacing the car only, and does not provide any restitution for personal items in the car that were damaged or stolen. If you have expensive stereo equipment in your car, for example, you will want to invest in a separate insurance policy that covers personal property. Additionally, Comprehensive also does not offer protection against damage caused by normal road use.

What Comprehensive Covers

  • Fire
  • Theft
  • Riot
  • Hail, water, or flooding
  • Vandalism
  • Wind
  • Damage resulting from an animal
  • Glass Breakage
  • Missiles or falling objects (the term missiles used here does not refer to the military context – instead refers to any flying or propelled object)

Comprehensive does not cover theft or vandalism caused by family members or employees. Some policies may offer an extension that covers you when you are driving a car other than your own (though this extension normally has reduced coverage benefits). It’s important to read your policy carefully to learn what is covered and what is excluded.

Can you purchase only comprehensive and not collision? Some insurance companies will actually allow this is certain situations. Most insurance companies, however, do not allow you to purchase collision without comprehensive coverage.

Cost of Comprehensive Coverage

As with any component of auto insurance, cost is driven by the following factors; the age of the driver, the drivers experience, the value of the car, the area where the car will be driven, and the estimated annual mileage. Always compare the quotes of Auto Insurance companies online to find the lowest cost insurance that meets your needs.

Weighing the cost of the insurance coverage against the value of the vehicle will show if it is cost-effective to carry this coverage at all. Comprehensive and Collision coverage’s always have a deductible, which can be as cheap as $200 and as expensive as $1,500. A higher deductible equates to a lower insurance premium.

Who Needs Comprehensive Coverage?

Comprehensive is not required by any state – as states are more concerned about the liability coverage. However, if your car is either being financed or leased – the financing company will usually require physical damage coverage.

For older cars you may consider excluding collision and comprehensive coverage since coverage is normally limited to the cash value of the car. Comprehensive coverage is highly recommended in case your car is worth over $4000. You may also find it valuable if you believe your car is susceptible to theft.


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January 2012

5 Types of Car Insurance Coverage Explained

When you start to consider the various types of auto insurance coverage available it can get overwhelming.

How do you know what types you need? Is it required by your state? Are there ways to save money and still have the right amount of coverage? Below we detail 5 types of coverages and provide a few scenarios where you would benefit from having a non-required coverage added to your policy along with some tips to save some money depending on your vehicle and budget.

1. Liability Insurance

Liability insurance covers you in the event you are in a covered car accident and it is determined the accident is a result of your actions. Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries. Most states have a minimum requirement for the amount of liability insurance coverage that drivers must have. If you can afford it, however, it is usually a good idea to have liability insurance that is above your state’s minimum liability coverage requirement, as it will provide extra protection in the event you are found at fault for an accident, as you are responsible for any claims that exceed your coverage’s upper limit. You wouldn’t want to run the risk of having to pay a large amount of money because your policy limit has been exceeded.

2. Collision Coverage

If there is a covered accident, collision coverage will pay for the repairs to your car. If your car is totaled (where the cost to repair it exceeds the value of the vehicle) in an accident, collision coverage will pay the value of your car.

If your car is older, it may not be worth carrying collision coverage on it, depending on the value. On the other hand, if you have a more expensive car or one that is relatively new, collision insurance can help get you back to where you were before any damage to your car. Note: If you have a lienholder, this coverage is required.

3. Comprehensive Coverage

What if something happens to your car that is unrelated to a covered accident – weather damage, you hit a deer, your car is stolen – will your insurance company cover the loss? Liability insurance and collision coverage cover accidents, but not these situations. These situations are covered by Comprehensive (other than Collision) coverage.

Comprehensive coverage is one of those things that is great to have if it fits in your budget. Anti-theft and tracking devices on cars can make this coverage slightly more affordable, but carrying this type of insurance can be costly, and may not be necessary, especially if your car is easily replaceable. Note: If you have a lienholder, this coverage is required.

4. Personal Injury Protection

While Comprehensive coverage may be something you don t need to purchase, Personal Injury Protection (PIP) is something you should. The costs associated from an accident can quickly add up, and in order to cover those costs Personal Injury Protection is available. With this coverage, your medical bills along with those of your passengers will be paid, no matter who is at fault for an accident. Note: This coverage is not available in all states.

5. Uninsured /Underinsured Motorist Protection

While state laws mandate that all drivers should be insured, this is unfortunately not always the case. Another issue that can arise is that while a driver may have liability insurance, many states have relatively low minimum coverage requirements that may not be enough to cover all of the expenses of an accident. So, if someone is legally responsible for damages related to an accident, you won’t receive any payment if they do not have coverage or you will receive less than you need to cover the cost of damages if your damages exceed their coverage amount. This is the type of situation where Uninsured and Underinsured Motorist Protection would help with expenses.

Saving tip: It’s usually relatively inexpensive to add uninsured/underinsured motorist protection to your car insurance policy, especially considering the amount of protection it offers.

This information in this newsletter is a summary only. It does not include all terms and conditions and exclusions of the services described. Please refer to the actual policy for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to underwriting review and approval.



Johnson Memorial Outpatient Rehabilitation Center #comprehensive #outpatient #rehabilitation #facility


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Rehabilitation doesn�t always require an in-hospital stay

Physical, Occupational and Speech Therapy

Our experienced and trained staff provides comprehensive outpatient rehabilitation care for people of all age ranges, pediatrics through geriatrics, regardless of your condition or injury.

We provide a comprehensive program of physical therapy, occupational therapy and speech therapy services; all conveniently located in the lower level of the Immediate Care Center on U.S. 31, a few miles north of the hospital.

Each therapy staff member is skilled and trained in an array of different treatment techniques to achieve the best possible outcomes for treating patients with injuries, post-surgery concerns or acute and chronic health issues. Our goal is to get you functioning at the level you are accustomed to, including treating any pain issues along the way.

Within each therapy program you will find specialized outpatient services provided by our multidisciplinary treatment teams:

All services are provided by licensed therapy staff including physical therapists, physical therapist assistants, occupational therapists, certified occupational therapy assistants and speech-language pathologists.

A physician prescription/order is required.

We have partnered with Community Health Network and are proud to introduce our Stones Crossing Rehabilitation facility in northern Johnson County. Unique features of this facility include a warm water aquatics program, women’s health, and a sensory gym for pediatrics. For more information, please call 317-535-4075 or click here for more information.

Franklin Location

2085 Acorn Boulevard
Franklin, IN 46131

Along U.S. 31, across from Walmart
Enter on the lower level of Immediate Care Center, south side of building

Physical Therapy Hours
Monday – Thursday 8 a.m. to 7 p.m.
Friday – 8 a.m. to 5 p.m.

Occupational and Speech Therapy Hours
Monday – Friday 8 a.m. to 5 p.m.

A physician prescription/order is required.

To Schedule an Appointment or Contact Us
317.736.3510

Center Grove Location

Stones Crossing Health Pavilion
3000 South State Road 135
Greenwood, IN

To Schedule an Appointment or Contact Us
317.535.4075

We have partnered with Community Health Network and are proud to introduce our Stones Crossing Rehabilitation facility in northern Johnson County.

Our Stones Crossing facility also provides physical, occupational, women’s health and speech therapy for adults and children, including:

  • A pediatric sensory gym for infant and child development play-based therapy
  • Sports injury treatment
  • Sports performance-based program for athletes
  • HydroWorx therapy pool
  • Indoor batting and golf cage
  • Basketball court
  • Tennis and volleyball court

Connect With Us

Johnson Memorial Outpatient Rehab provides Physical, Occupational and Speech Therapy services. Please contact us at 317.736.3510.



What Does Comprehensive Insurance Cover? #comprehensive #auto #insurance #what #does #it #cover


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Insurance can be very confusing, whether it is for your home or your car. There are different levels of coverage for all types of insurance, and it is important to know what they are and what they cover before you make a policy decision. Having the right insurance means that your items are properly covered in the event of an accident or other event.

What Does Comprehensive Insurance Cover for My Car?

Auto insurance can be very expensive, especially if you are paying for more coverage than you really need. For instance, if you have an older car without a lien and are maintaining full coverage, you are paying hundreds of dollars more in premiums than the car might actually be worth. Comprehensive auto insurance:

  • Covers all events not typically covered by collision insurance
  • Covers personal items that are inside of the car at the time of a loss, including clothing or other items
  • Covers for fire, theft, flood or vandalism
  • Covers for damages to the glass and may cover for damages to the finish
  • Covers for damages incurred when you hit an animal. While technically a collision, this is usually not covered by other types of insurance.

What Does Comprehensive Insurance Cover for My Home?

As with auto insurance, there are several levels of coverage with home insurance that you should consider. The lower the cost of the insurance, the more exclusions there are likely to be. Comprehensive homeowner’s insurance:

  • Is the most expensive level of homeowner’s insurance coverage
  • Covers the cost of damages from fire, theft, vandalism and other criminal acts and some water damage, although most policies will restrict water damage caused by floods, forcing you to buy a secondary flood policy, especially if you are in a flood prone area
  • Covers the home itself and the property within it
  • May provide some coverage for people injured on your property
  • May cover other items outside of your home, except your car, as long as they are listed on the original or amended policy

There are options in comprehensive home insurance; one policy covers the cost of replacing your home even if it exceeds the stated value of your policy. That type of coverage is not always available and may be even more expensive. The other only pays up to the stated amount, so it is important to know how to choose your coverage amount.

Additional Services You Can Add on to Comprehensive Insurance Policies

In addition to coverage for your home or auto, you can add in additional services, which may drive the cost up but are usually worth it in the long run. For your car, these include:

  • Towing or roadside assistance
  • Rental car while yours is being repaired

For your home, additional services might include:

  • Cleaning and laundry service reimbursement
  • Hotel accommodations or housing allowance while the home is being repaired
  • Food vouchers
  • Special services such as locksmith and others

While comprehensive insurance is very expensive, it is usually a better way to protect your home and your family.



Comprehensive Insurance Definition #what #is #comprehensive #auto #insurance


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Comprehensive Insurance

DEFINITION of ‘Comprehensive Insurance’

A type of automobile insurance that covers damage to your car from causes other than a collision. Comprehensive insurance would cover your vehicle if it was destroyed by a tornado, dented by a run-in with a deer, spray painted by a vandal, damaged by a break-in or crushed by a collapsing garage, among other causes.

BREAKING DOWN ‘Comprehensive Insurance’

Comprehensive insurance, collision insurance and liability insurance are the three components of an automobile insurance policy. State law requires drivers to carry liability insurance, but collision and comprehensive insurance are optional if you own the vehicle outright. If you have financed the vehicle, your auto loan company might require you to carry comprehensive insurance. If you have paid for the vehicle in full and you can’t afford comprehensive insurance, you own an older automobile that doesn’t have much value, you think you’re at low-risk of non-collision damage, or you prefer to self-insure, you can choose not to purchase comprehensive insurance. On the other hand, even if you own your automobile free and clear, if you live in a rural area where collisions with animals are common, in a stormy area that often gets hail, or in a higher-crime part of town where break-ins and theft occur regularly, you might want to purchase comprehensive insurance.

Collision and comprehensive insurance each have their own deductibles (liability insurance has no deductible), so you can choose different deductibles based on how much risk you think you’re susceptible to in each of these areas. For example, if you don’t think you’re likely to file a comprehensive claim, but you don’t want to forego comprehensive insurance altogether, you could choose a relatively high $1,000 deductible to lower your premiums. The higher your vehicle’s cash value, the more expensive your comprehensive insurance will be.

Here’s an example of how comprehensive insurance works if you file a claim. If you drive a Honda Accord worth $10,000, you have a $1,000 deductible and your car is totally destroyed by a tornado, you’ll receive $9,000 from your insurance company. If you don’t have comprehensive coverage and your car is totally destroyed by a tornado, the collision and liability portions of your policy won’t cover the damage, and you’ll be responsible for the entire $10,000 loss. You might have to get a loan to purchase a replacement vehicle or settle for something less expensive if you don’t have $10,000 to spend on an equivalent replacement.