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rental car damage and liability insurance

 Accidents happen, and in most cases it often to be quite expensive to repair. That’s why you need to protect yourself from those unexpected scenarios that would destroy your financial stability that come with car accidents. One of the best ways to prevent that is by having comprehensive car insurance. But, would comprehensive insurance cover the damages caused to your own car? Keep reading to find out.

Your full coverage won't cover all possible damages, check your declaration page

Comprehensive car insurance protects your car against many kinds of risks, including theft, vandalism, natural disasters, acts of God among others. This is often considered the most protective coverage option for your car, and it is usually more expensive than other types of car coverage. Many lenders will request you to add it in your policy to let you get the loan. However, many car owners wonder whether comprehensive insurance covers damage to their own car or not, especially when they are at fault for an accident. The short answer is yes, but there are some caveats that you need to keep in mind.

What is Comprehensive Car Insurance?

Comprehensive car insurance is a policy that protects your car against many sort of risks, including damage caused by accidents, theft, fire, natural disasters, and acts of God, as same as other unexpected incidents. It provides you coverage for damage to your car, as same as for 3rd-party liability one, so that means it covers the damages you could cause to other people's property or injuries you during an accident.

Does Comprehensive Cover Own Damage?

Yes, comprehensive car insurance covers damage to your own car that are not related to a collision, even if you are at fault for the accident. This means that if you crash your car into a tree or a deer, your comprehensive insurance will cover the repair costs, up to the policy limits. However, you must understan that comprehensive insurance only covers damage that is caused by what is stipulated in your policy, furthermore, comprehensive coverage also have many exculsions you must consider. For example, if you’re DUI and you suffer an accident, your comprehensive coverage will only cover the repair bills or medical expenses you cause to other people or properties.

What are the Caveats?

You must be aware of some caveats from your comprehensive insurance coverage, so you should remember them. First, many lenders requires you to add comprehensive coverage and collision damage, they want to fully protect your vehicle while you’re paying the loan. Collision coverage is another coverage option that protects your vehicle against accidents that are caused by collsion with other cars, no matter who is at fault, you will be protected with this coverage. Comprhenesive coverage will protect you against accidents caused to non-collision accidents such as natural disasters, for example a tree falls in the road while you are driving and your car gets smashed by that tree, or you hit a deer while driving, that sort of accidents will be covered by your comprehensive coverage. That’s why you should consider add both coverage options to your policy.

Another caveat to keep in mind is the deductible. When your increase your deductibles, you’re letting your car insurance know that you won’t file a claim so lightly. In a nut-shell, your deductibles is the amount of money you will have to pay out-of-pocket before your comprehensive coverage pay the rest of the repair or replacement bills. If you choose higher deductibles for your comprehensive coverage, you will pay less premiums, but in the other hand, if you set $250 for your deductibles, you should prepare to pay quite high premiums for your policy.


Comprehensive car insurance is one of the best ways to protect yur car from many scenarios in our daily life. Yes, it covers damage to your own car, even if you are at fault for the accident, but there are some caveats that you need to keep in mind. If you want to get full protection for your car, you should also add collison with comprehensive coverage all together. Remember, you must to understand your deductibles, this way you would avoid unexpected expenses. 

Other readers were also interested in the following posts:

Does Comprehensive Car Insurance Cover Water Damage?

Does Comprehensive Car Insurance Cover Hitting a Deer?

Does Comprehensive Car Insurance cover Roadside Assist?

Does Comprehensive Car Insurance Cover Rodent Damage?

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