What is comprehensive coverage in auto insurance?

Comprehensive auto insurance coverage is considered one of the most complete on the market. Discover the advantages of this alternative for your car!

According to data from the National Confederation of General Insurance, Private Pension and Life, Supplementary Health and Capitalization Companies (CNSeg), Brazil had around 17.1 million insured cars at the end of 2017. Among these, there are those with various coverages, including comprehensive coverage in auto insurance.

Comprehensive coverage offers consumers a package with essential but comprehensive coverage. The option offers reduced rates and, considering what they would pay for regular plans, the user can save money.

Another highlight of the alternative is the listing of all protections in a single document, something that did not happen years ago. This allows the user to easily find the coverage they need, quickly contacting the service provider.

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What does comprehensive auto insurance coverage offer?

In general, comprehensive coverage offers protection against collision; fire or explosion; damage caused by third parties; theft or robbery; objects falling on the car; and damage caused by nature. In other words, the protections act against the main risks that a driver faces in his/her daily life.

However, it is important to note that this type of service only guarantees compensation for what happens to the contractor's car. If a collision occurs due to the insured's fault and the second car is damaged, the individual will have to pay out of their own pocket to cover the other individual's losses.

In any case, this situation can be changed by including third-party damage coverage in the insurance. At the same time, it is possible to include a replacement car option, 24-hour assistance, coverage for accessories such as car DVDs, and several other services in the plan. Just talk to the insurance company and request these new protections.

However, the more safeguards you add to your comprehensive auto insurance coverage, the higher the final cost of the plan will be. Therefore, it is essential to only purchase what is necessary. For example, there is no point in purchasing protection for a car DVD player if you do not even have one.

Remember to read the contract carefully before signing it. It is the guarantee of your assistance, and it must indicate the possibility of using each of the contracted coverages.