0:06: Hi, I'm Maribel Marron, and I'm an Allstate agency owner in Chicago's Logan Square neighborhood. I'll be talking about comprehensive coverage, which may help pay to repair your car if it's damaged by something other than a collision.
0:19: Some examples of what comprehensive may cover include:
- Theft
- Fire
- Falling objects
- Vandalism
- Natural disasters, or
- Hitting or being hit by an animal
0:31: Comprehensive coverage is typically optional on a car insurance policy, but your lender may require it if you're still paying off your car.
0:37: I remember this one comprehensive claim. One night while her car was parked on the street outside her house, thieves stole the catalytic converter, which is part of the car's exhaust system, from under her car.
0:48: A catalytic converter is part of a car's exhaust system, and when she started the engine she knew she had a problem, because the car was so loud. She didn't realize yet she was missing a part that could cost hundreds of dollars to replace.
1:02: She was pretty upset when she called me that morning. She was on her way to work when she discovered the problem with her car. She had filed a police report, and I helped her file an insurance claim. We helped her arrange a tow to a body shop, which provided an estimate and fixed her car.
1:16: Comprehensive coverage helped pay for the repair, minus her deductible. She had her car back in about a week, so she was pretty happy.
1:24: When I'm talking to customers about comprehensive coverage, I just explain what's usually covered — like fire or theft, for example — and explain the potential cost. And once they hear that, customers usually say, 'Yes, add it on.'
