Comprehensive Insurance coverage is a part of an automobile insurance policy which will cover damages to your automobile that result from something other than a wreck or a collision. These could include damage due to weather (a hail storm for instance), a tree falling down on your car, damages that may incur if your car is stolen and other non-collision instances.

Because of the hazzards that present themselves when driving with a damaged windshield Comprehensive Coverage will pay for the repairs to your windshield without a deductible. In Kentucky policies this usually mandatory. Many of the glass repair businesses will come to you and repair the windshield without you having to drive to them.

Some of the other damages listed previously that are covered by Comprehensive Coverage may have a deductible. Deductibles can be a good addition to your policy. You must weight he premium savings against the additional cost if you make a claim and have to pay that deductible. Again, this will be something for you to discuss with your agent to see if the savings on your premium will out-weigh the deductible.

You are able to purchase Comprehensive Coverage in your policy without having to buy Collision Coverage, the coverage that covers only your automobile. You cannot, however, get Collision Coverage without having Comprehensive Coverage. When looking into getting Comprehensive Coverage without Collision Coverage you may want to ask your car insurance agent if this is a good deal for you. This can be well worth the money you spend on premiums even if your car is an older model car.

Another point to ask your agent about is whether your premium rate will increase if a claim is made under your Comprehensive Coverage. Sometimes it may be cheaper for you to pay for the repairs yourself instead of risking the possibility of a rate increase by making a claim. For more information on questions to ask your agent go to www.mikeschaferlaw.com.

As an attorney in Louisville, KY I have handled many cases in which clauses in insurance policies have come into question. It is always a good idea to ask your agent direct questions about your policies. For more information please visit my website, www.mikeschaferlaw.com