Comprehensive coverage (sometimes referred to as coverage other than collision coverage) covers damage to the vehicle due to fire, vandalism, water, hail, broken glass, wind, falling objects, civil commotion, or the impact of a bird or animal. Damage caused by hitting a deer is a relatively common accident in Wisconsin. You might think that you should always file a claim because that's what insurance is for, but insurance is actually meant for serious damage. If your car isn't very reliable and you're not in the financial position to risk paying for repairs or replacing it yourself, it might be worth paying a higher upfront cost for protection through an extended warranty.
And with that knowledge, you can compare car insurance rates between providers to make sure you get the best possible deal for the types of coverage you need. You may have to file an insurance claim for damage to your own car after a collision with something other than another vehicle. Whether or not you should file an auto insurance claim for hail damage depends on the magnitude of the damage and the cost of your deductible. If someone breaks into your car and steals a laptop, briefcase, backpack, or bag, your homeowners or renters insurance may cover these items.
Personal items that are damaged in an accident or that are stolen from your vehicle are not covered by your car insurance. Finding out what your car insurance doesn't cover should give you an idea of the situations in which you'll be solely responsible for the bills. Most auto policies include several types of auto insurance coverage, and each one is designed to pay for the different expenses that could arise after an accident. After reading the list in the previous section, you may have noticed that there are many situations where car insurance helps if you only signed up for additional coverage.
However, if you have an auto insurance policy that only covers civil liability, the damage you cause to your own car won't be covered. Both coverage for uninsured drivers and coverage for underinsured motorists cover damage caused by drivers who don't have enough car insurance to pay their medical or repair bills. Knowing what car insurance covers can help you choose the coverage you need and avoid paying for the things you don't need. So what happens if you damage or even destroy a vehicle that you still owe money for? Gap insurance pays the difference between the value of your car and the amount you owe for it.
Collision insurance covers damage to your car as a result of an accident, such as a collision with another vehicle, a rollover, or a hit against an object, such as a telephone pole or a tree. That's why it's important to understand what car insurance covers before you file a claim.