What is Comprehensive Coverage?

Comprehensive coverage protects your vehicle from damage caused by events other than collisions. It's essential for complete vehicle protection.

What Comprehensive Covers

• Theft: Vehicle stolen or broken into
• Vandalism: Keyed paint, broken windows, graffiti
• Natural disasters: Floods, earthquakes, hurricanes, tornadoes
• Weather: Hail damage, lightning strikes, fallen trees
• Fire: Vehicle fires from any cause
• Animal strikes: Hitting a deer or other animal
• Falling objects: Debris, tree branches, rocks
• Civil disturbances: Riots, explosions
• Glass breakage: Windshield and window damage

How It Works

1. Incident occurs (e.g., hail damages your vehicle)
2. You file a claim with Alset Insurance
3. You pay your deductible
4. We cover repair costs up to your vehicle's value

Deductible Options

Choose the deductible that fits your budget:
- Lower deductible = higher premium, less out-of-pocket at claim time
- Higher deductible = lower premium, more out-of-pocket at claim time

Common deductible options: $100, $250, $500, $1,000

Is It Required?

Comprehensive coverage is:
- Required if your vehicle is financed or leased
- Optional if you own your vehicle outright

When to Consider Dropping

You might consider dropping comprehensive if:
- Your vehicle's value is very low
- The premium exceeds 10% of your vehicle's value annually
- You can afford to replace the vehicle out-of-pocket