With comprehensive insurance, you will have coverage that will help you in paying for a replacement or a repair of your vehicle on the event that it is damaged or stolen. The former is true if it was not involved in a collision. Most claims for comprehensive insurance are when done when the car owner has their vehicle damaged by falling objects and structures. Vandalism is also the biggest contributor to the amount of claims with comprehensive insurance. If you are trying to figure out how it works, read on below.
What comprehensive car insurance covers
Through comprehensive car insurance, you will be covered for various things that don’t involve vehicular collisions. These things are a mixture of natural and man-made damages to the vehicle including:
Destruction due to civil disturbance
Severe weather conditions
Wild animals damaging the car
Vandalism and theft are two of the more common incidents that comprehensive car insurance covers to a great deal. When you file a claim, you may be able to get the actual cash value of your missing car with your deductible subtracted.
With comprehensive car insurance, it is important to set realistic expectations. As such, you will not be covered for the following:
Collision causing damage to your car
Collision causing damage to another vehicle involved in the incident
Medical bills because of injuries sustained in an accident
Why it’s important to get comprehensive insurance
With comprehensive car insurance, you will be covered for far more events. These events are actually the more common types that can leave damage to your car. More often than not, you are going to find that your car has been damaged by an incident that didn’t particularly involve another car. In this case, it is a good idea to have comprehensive car insurance.
You will have an added level of protection to give you the confidence whenever you take your car out for a drive. You can claim from your insurer even though the accident was deemed to be your fault. As long as the incident involved something that the comprehensive car insurance covers, then you should be good in the long run.
When documenting the events that happened which led to the damage to your car, you may not be able to get certain claims approved. A good example would be sustaining damage to your car due to a collision. A different type of coverage will handle that. However, if the other driver becomes frustrated and steps out of their vehicle to break off your side mirrors, you might not be covered for that particular damage because that wasn’t technically damage due to a collision.
That is why it is a good idea to get comprehensive car insurance. You will be able to get the funds needed to replace and repair everything that was damaged without worrying about how the damage was sustained especially if there was no collision involved.
Not all car insurance coverages are equal. If you want the best one, check out our comprehensive insurance offering at Insurance Brokers Of Maryland today.