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GEICO’s comprehensive auto insurance covers all types of vehicles, including utility and all-terrain vehicles. Besides, GEICO provides insurance for property, business, travel, jewelry, pet, and identity protection, among others. However, before you opt for any GIECO comprehensive coverage, here are a few things you should know.

What exactly is comprehensive coverage?
This type of coverage covers damages caused to your vehicle due to reasons other than collision. That means you can make a claim in case of theft, vandalism, hail, and damage caused due to hitting an animal.

Is it a type of coverage that needs individual insurance?
GEICO’s comprehensive coverage is an optional coverage that can be an extended part of your vehicle insurance. There’s no need to put a limit on GEICO’s comprehensive auto insurance, as it provides cover for most damages based on the actual cash value of a vehicle. However, this comprehensive coverage comes with a deductible amount.

Why should you opt for GEICO’s comprehensive coverage?
This coverage is useful, regardless of whose fault caused the accident. Besides, GEICO’s comprehensive coverage helps pay for most repairs and damages. Therefore, you don’t have to bear the cost of repairing your vehicle.

What does GEICO’s comprehensive coverage not cover?
Comprehensive coverage won’t offer any benefits on damages caused by colliding with another vehicle, even if the cause of the accident is an animal on the road. Also, it does not cover damages caused by the wear and tear of the vehicle. This can include parts like belts and hoses, brakes, tires, and windshield wipers.

What factors to consider before buying insurance?
Before you opt for GEICO’s comprehensive auto insurance, it’s imperative to clarify the following details from your insurer.

Coverage: Understand what comes under the insurance coverage. Most importantly, clarify the exclusions as well.

Limit: Know the maximum amount of protection and insured amount you can claim.

Premium: Estimate the premium you have to pay for the selected insurance policy.

Deductible: This denotes the portion that the insurance holder has to pay at the time of claim. Therefore, it is of utmost importance that these terms have been discussed and understood.