While all drivers must carry liability insurance in Missouri, comprehensive insurance is optional. However, this type of coverage is crucial in the event your vehicle experiences a cracked windshield or some other form of non-collision-related damage. The following guide outlines more about these policies and why you should consider updating your coverage if you're not fully protected.

What Is Comprehensive Insurance & What Does It Cover?

Mandatory liability insurance covers damage to other vehicles and injuries to drivers if you're deemed at fault for an accident, while collision coverage pays for damage to the vehicle regardless of who is responsible. Comprehensive coverage goes a step further and protects you against non-collision events that affect your automobile. 

For example, if an animal—like a deer—runs in front of your car while you're driving, a comprehensive plan would pay for any resulting repairs. It also provides funds in the event your car is stolen or vandalized. Damage caused by falling objects, natural disasters, and fire are also included in the policy.

What Doesn't It Cover?

Comprehensive insurance doesn't pay for damage to your vehicle caused by other drivers. In that case, the other driver's policy would cover any necessary repairs. It also doesn't pay for collision damage, as that's the distinct role of a collision policy. Comprehensive coverage only applies to damage to your vehicle and does not cover any injuries you incur. After an at-fault accident, your personal health insurance must be used to pay for any medical bills resulting from the incident,

Why Do Car Owners Need It?

Car repairs can be extremely expensive when damage is significant. Consider how many risks your vehicle faces on a daily basis, even if you're a safe, responsible driver. Comprehensive insurance provides a safety net for these risks and prevents you from paying out of pocket just to restore your vehicle to its former condition.

Comprehensive coverage also ensures that repairs are performed in a timely manner. Issues like a cracked windshield must be fixed as soon as possible to ensure good visibility while you're behind the wheel. With the right insurance in place, you can schedule repairs soon after filing a claim with your insurer to ensure you get on the road safely and efficiently.

If you're looking for a reputable business to repair your cracked windshield, the certified technicians at Consumer Glass can help. They serve customers throughout Missouri's St. Louis and St. Charles Metro areas, and each employee on their team boasts an average of 20 years of experience. This locally owned and operated business is committed to customer satisfaction at every turn. They can often repair auto glass chips in as little as 20 minutes. They also have experience working with various insurance companies to ensure a smooth, stress-free claims process. Call (636) 397-6800 to schedule a free estimate, or visit the website to learn more about their services.