What You Need To Know About Comprehensive Car Insurance

Some people may have a misunderstanding of what comprehensive auto insurance is. The word comprehensive, meaning “ complete” or “full,”  may suggest that the policy is all-inclusive; it offers full coverage for everything. Of course, it covers certain events, but they must be out of your control. You cannot control these incidents because they’re unpredictable.

Our comprehensive car insurance at Benefit Insurance Services will cover damages to your car due to external incidents out of your control. We’re here to protect your vehicle from unforeseen things like car theft. Other unexpected occurrences that can damage your vehicle include:

  • Earthquakes
  • Collision with animals
  • Falling objects
  • Hurricanes or tornadoes, hail, floods, or lighting from thunderstorms
  • Vandalism or civil unrest, violent demonstrations


Earthquakes can cause massive damage to your car. For this reason, comprehensive auto insurance is ideal for providing cover for injuries.


If your car is stolen, comprehensive coverage will foot the bill to replace the vehicle.

Collision with animals

As you’re driving in the countryside in Myrtle Beach, SC, you may hit a deer, or it may strike you, or your car may be damaged extensively due to collision with animals. When this occurs, we’ll ensure that our comprehensive insurance provides cover for the injuries.

Violent demonstrations

During a violent demonstration, someone may smash your car windows or cause heavy damage. If you’ve got comprehensive insurance, you can get coverage for the incident.

Natural disasters

Hurricanes and tornadoes are common in South Carolina, and so it’s a good idea to have comprehensive auto insurance. 

While comprehensive insurance covers external events out of your control that damage your vehicle, there are certain situations, you’ll need extra coverage. It’s because full coverage car insurance is also known as other-than-collision coverage. It means that if you ram into a traffic light because you wanted to avoid hitting a deer, for example, a comprehensive policy won’t cover you. You’ll need collision insurance. 

Interested in knowing more about comprehensive car insurance and other policies? Contact Benefit Insurance Services in Myrtle Beach, SC.