What is covered by comprehensive car insurance in America?



 What is covered by comprehensive car insurance in America?


Comprehensive car insurance in America is a type of insurance that covers damage to your car, including damage caused in a traffic accident or other accident. Comprehensive insurance also covers damage to your car due to natural disasters, theft or fire.


What is covered by comprehensive car insurance?

In general, comprehensive car insurance includes the following:

Damage to your car in a traffic accident, regardless of who was responsible.

Damage to your car due to natural disasters, such as floods, hurricanes or snowstorms.

Damage to your car due to theft or fire.

Damage to your car due to a collision with an animal.

Damage to your vehicle due to physical damage, such as colliding with another vehicle or colliding with a fixed object.

Damage to your car due to personal injury, such as broken glass or lost keys.


Is comprehensive car insurance mandatory in America?

Comprehensive auto insurance is not mandatory in all US states. However, in some states, drivers are required to have third-party insurance, which covers damage to other vehicles in a traffic accident.


How much does comprehensive car insurance cost?

The cost of comprehensive car insurance varies depending on various factors, including:

Car type and year of manufacture.

Your driving record.

The area where you live.

Coverage levels of your choice.


In general, comprehensive auto insurance costs more than third-party insurance. However, comprehensive insurance can be useful in the event of an accident, as it can help you cover the costs of repairing or replacing your car.


Is car insurance halal or haram?

Some scholars believe that car insurance is permissible, while others believe that it is forbidden. The opinion that it is halal is based on the fact that insurance provides financial security to drivers in the event of an accident. The view that it is forbidden is based on the fact that insurance involves an element of gambling, where the driver pays a fixed premium for uncertain coverage. Ultimately, the decision of whether car insurance is halal or haram depends on the individual's opinion.

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