What Does Comprehensive Motor Vehicle Damage Insurance Cover?

[VanJason]

Comprehensive vehicle damage insurance is a broader coverage variant of standard vehicle damage insurance, incorporating combined insurance elements. It consists of the primary vehicle damage insurance supplemented by additional coverages such as body scratch insurance and glass breakage insurance. Motor vehicle damage insurance refers to the insurer's compensation for the damage or loss of the insured vehicle caused by accidents within the coverage scope. The following are circumstances under which the insurer will not be liable for compensation, regardless of the cause: 1. Earthquakes, wars, military conflicts, terrorist activities, riots, seizures, confiscations, or government requisitions; 2. Participation in competitions or tests, or during repair and maintenance at commercial service facilities; 3. Use of the insured vehicle for illegal activities.

[Long]

I value comprehensive insurance coverage, and the comprehensive motor vehicle damage insurance is really worry-free. This insurance covers common vehicle risks, such as physical damage from collisions, rollovers, fire, and explosions. It also includes natural disasters, like if the car gets flooded during heavy rain or damaged by hail—the insurance will cover it. What’s even more practical is that it integrates several important additional coverages, such as standalone glass insurance, spontaneous combustion insurance, and water ingress insurance, which are now directly included. Especially the "no deductible" clause means the insurer covers the full cost during a claim, so we don’t have to pay out of pocket. I think the most cost-effective part of the comprehensive coverage is that it includes theft insurance—if the car is stolen or broken into, the losses can be compensated. However, remember to check the policy details carefully, as things like standalone tire damage and minor scratches are usually not covered.

[LouisDella]

After comparing several auto insurance plans, I found the comprehensive motor vehicle damage insurance consists of three core coverages: The most basic is vehicle damage coverage, including collision accidents, rollovers, or damage caused by external objects. Natural disaster protection is crucial, covering water immersion or damage from floods, lightning strikes, or storms. The special additional coverage is the highlight—it bundles previously separate policies like glass breakage, spontaneous combustion loss, and engine water submersion, along with theft coverage and zero deductible. Speaking of theft coverage, it not only compensates for the entire vehicle being stolen but also covers stolen parts. While the premium is higher, it eliminates the hassle of multiple add-ons. I recommend checking the exclusions when purchasing, as most companies don't cover earthquake damage.

[AaliyahDella]

My car had a claim last year, and the comprehensive vehicle damage insurance indeed solved the problem. It covers damages to the vehicle caused by accidents, such as backing into a wall or rolling over. The most practical aspect is that it includes liability for natural disasters. For example, if the car is flooded during summer rainstorms or damaged by a billboard during a typhoon, it's all covered. There are also additional insurance combinations, like not needing separate coverage for shattered glass alone, and vehicle self-ignition falls under the spontaneous combustion insurance. That time when my car needed a major engine repair after wading through water, it was all covered by the water damage insurance. As for theft, if the entire car is stolen, it's fully compensated, and even if the window is smashed and items are stolen, it's also covered. The no-deductible clause is the most hassle-free; I didn't pay a single cent after making a claim. However, remember that insurance compensates based on the vehicle's depreciation, so don't expect full price compensation for an old car.