A lot of Nigerians find it difficult or unnecessary to pay for insurance but can we blame them? In this article, we talk about the comprehensive insurance, what it means and its importance.

Basic personal auto insurance is mandated by all states in Nigeria and provides you with some financial protection in case of an accident. But is it enough? What are the options? Learn how car insurance works and what types of coverage are available.

What is a Comprehensive Insurance?
Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail). If you're financing or leasing your car, your lender likely requires comprehensive coverage. If you own your vehicle outright, it's an optional coverage on your car insurance policy.

What Is Covered By Comprehensive Insurance?
Comprehensive insurance helps cover damage to your car that's not the result of a collision, such as:

Theft
Vandalism
Fire
Natural disasters (like a hurricane or a tornado)
Falling objects
Damage done to your car by animals
A civil disturbance (like a riot that results in damage or destruction of your car)

What's Not Covered?
Damage to your car from a collision
Damage to another person's vehicle from a collision
Your (or your passengers') medical expenses after an accident

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