state farm comprehensive coverage definition

state farm comprehensive coverage definition

What is Comprehensive Insurance at State Farm?

At State Farm Insurance, the most basic auto insurance coverage starts with personal and property liability protection, with additional package options based on your budget, your state's minimum insurance requirements, and whether your vehicle is leased or owned. Understanding how comprehensive coverage works at State Farm can help you draft a policy that suits your budget and individual needs when it comes to claim time.

At State Farm, comprehensive insurance can be purchased as part of a full-coverage plan for an additional premium, and will usually require a separate, additional deductible. As long as the damage was not caused by a vehicle collision or a rollover, State Farm's comprehensive coverage will pay restitution vehicle repair or replacement. Typical claims include damages caused by fire, theft, vandalism, acts of God such as hail, winds and floods, and collisions with animals.

According to, no state in the U.S. requires comprehensive coverage as part of your legal minimum insurance requirement. You are only required to buy comprehensive insurance from State Farm if the bank lender you leased or financed your vehicle from demands full coverage. Once your car is paid off and is therefore less valuable, you can drop the comprehensive from your overall State Farm policy.

The State Farm Insurance website recommends that drivers consider comprehensive insurance, particularly if you cannot afford to repair or replace your vehicle after a damaging incident. If you're considering skipping comprehensive because of budgetary issues, State Farm reminds drivers that the cumulative premiums they pay may equal less than the total cost of replacing a car, so the value of your vehicle should be taken into consideration as well.

If you're budget is strained and comprehensive coverage seems like a luxury you cannot afford, State Farm offers various discounts to help keep your overall yearly premiums down and your coverage more expansive. If you are a student or senior, own a new or theft-protected vehicle, or have an excellent driving record, discounts are readily available. Savings are also passed on when you purchase your auto insurance with other State Farm policies such as home or renters insurance, or if you insure more than one vehicle.

State farm comprehensive coverage definition

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Types of Auto Insurance Coverage

Car insurance can cover injuries and property damage, but different options can cover different situations.

Common Auto Insurance Coverage

Understand the common types of auto coverage and get the insurance you want, to fit your budget.

There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.

Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.

If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.

If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.

Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.

Uninsured/Underinsured Motorist Coverage

These days, about 1 in 8 driversfooter note* are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.

If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.

Personal Injury Protection (PIP)

PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.

Many states require drivers to carry a minimum level of PIP coverage.

When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage.

How you’d like to customize your Car insurance depends on your needs, budget, and the amount of coverage you want. Get an Auto insurance quote or work with your local Farmers agent to choose the coverage combinations that provide the best Car insurance coverage at a price that fits your budget.

*According to a 2014 study by the Insurance Research Council (IRC).

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

State farm comprehensive coverage definition

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What is Comprehensive Coverage?

Written by W. Lane Startin. Posted in Definitions Last Updated: 11/22/2010

Defining comprehensive auto insurance, how to best utilize your deductible, auto glass claims, and how to deal with animal strikes.

If the worst happens here, we know how to cover it - comprehensive.

No state requires full coverage auto insurance. However, most lenders or “lienholders” do. Dropping full coverage while making car payments is not a good idea.

You should also know that full coverage consists of two main components: collision coverage and comprehensive coverage. Collision is pretty straightforward. If your car hits something, it helps you fix it.

Pretty simple. But what is this “comprehensive” business, you might ask?

Comprehensive Coverage Defined

Another name for comprehensive car insurance is “other than collision.” They’re not trying to be cheeky with that (well, we don’t think so, anyway), but that’s effectively what it is. Comprehensive coverage covers a wide variety of mishaps that could happen to your car – what insurance agents refer to as “perils” – which are … not collision.

Perils covered by comprehensive auto insurance typically include theft, vandalism, fire, weather-related damage and “missiles,” which are usually in the form of rocks. In other words, in most policy comprehensive auto insurance is a catch-all for perils which are not collision and which are not specifically excluded in the policy.

Another attractive feature of comprehensive auto insurance is the fact comprehensive claims rarely, if ever, count against you come renewal time. This is in stark contrast to collision claims, which strongly tend to raise your rates unless they’re quite small. In short, don’t be afraid to file a comprehensive claim if conditions warrant.

Know Your Comprehensive Deductible

As with collision coverage, comprehensive car insurance includes a deductible, or agreed amount you pay on any claim before the insurance company kicks in. Comprehensive deductibles options are usually the same as for collision deductibles, ranging from $0 to $1,000. However it’s not necessary to choose the same deductible for both. Most people don’t.

Since comprehensive claims on the whole are much lower dollar amounts than collision claims, many insurance professionals recommend choosing a lower comprehensive deductible. A combination of a $100 comprehensive deductible with a $500 collision deductible is particularly popular.

By far the most common comprehensive auto insurance claim involves auto glass repair. In fact, these claims are so common many insurance companies almost consider auto glass coverage a form of full coverage unto itself.

Many companies apply your comprehensive deductible to everything comprehensive except auto glass claims. Instead, auto glass is often covered at a zero deductible, especially if the claim is for repair rather than replacement. Some companies offer this as an option, while others may just include it in your comprehensive coverage. Ask your insurance agent for more information specific to your company.

When Collision is Comprehensive After All

There is one scenario in which hitting something with your vehicle (as in a “collision”) actually warrants a comprehensive claim. Animal strikes typically fall under a policy’s comprehensive section. These can include small animals like birds and jackrabbits all the way up to deer and moose, even livestock.

So if you find yourself accidentally running over your local fauna and damaging your vehicle, know that it’s comprehensive insurance which covers you – so long as you have it.

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