The Basic Principles Of Comprehensive Auto Insurance

Posted on: 18 November 2020

Do you ever wonder about the differences in auto insurance types? For example, what types do you need? Do you need a lot of coverage or minimum coverage? One question many people have is about comprehensive insurance. What is this coverage for, and who needs it? If you have questions about comprehensive auto coverage, here are some of the answers you might want to know.

What Does It Cover?

Comprehensive auto insurance is a unique form of coverage that protects you in many situations. First, it provides coverage for storm damage. If a hailstorm leaves dents in your car, this coverage protects you. If a windstorm causes a tree to land on your car, this coverage protects you from the cost of repairs. It covers you for almost any type of storm damage you might encounter.

Secondly, it covers you from damages and losses arising from theft or vandalism. If someone breaks into your car and damages it, you have protection. If a person steals your car, your comprehensive coverage protects you. It also protects you from fire damage.

Finally, it protects you from animal collisions. You cannot predict when an animal will run out on the road in front of your car. If you ever collide with a deer or any other animal, your comprehensive protection is there to compensate you.

Who Needs It?

The next thing people wonder is if they need it. Most people should have comprehensive coverage, especially those who park their cars in their driveways. If you live in a rural area, you might have a higher chance of experiencing an animal collision, so you should also have it. If you have a loan on your vehicle, your lender will require this coverage.

How Does It Work?

If you encounter damage from a covered peril, you can file a claim on your comprehensive coverage. Your insurance company will send an adjuster to appraise the damages from the incident. You will then have to pay your deductible before the insurance company pays the remaining balance. Without comprehensive coverage, you would be required to pay the full bill for the repairs your car needs.

Having comprehensive auto insurance coverage is not a requirement unless you have a loan, but it is wise to have it. It offers protection for many situations and circumstances, and it is worth the money. If you have questions about it, talk to an auto insurance agent today.