When purchasing car insurance, you are likely concerned about making
sure you have enough coverage for the financial costs associated with
damages and loss from a car accident.
When thinking about auto insurance claims, we typically think of car
accidents first but there are many different ways that your car could be
damage. Your car could be stolen, vandalized, damaged due to weather, or
by some other type of covered incident. If this is the case, your
comprehensive coverage will come into play.
Is Comprehensive Coverage Necessary?
There are certain things a driver should take into consideration when
deciding if they need comprehensive coverage.
It is important they know the approximate value of their vehicle, which
can be determined by evaluating the make and model. Some makes and
models have claims with higher repair costs than others because of how
expensive their replacement parts are or their overall safety ratings.
The more expensive a car is to purchase, the more expensive it will be
to repair or replace it in the case of an accident. There are some
claims covered by comprehensive insurance that are more common than
Theft claims are common in larger cities while drivers who live in
desert areas will likely make more claims for glass repair because they
are more likely to be hit by small rocks while driving. For drivers who
live near National Forests or wooded areas, comprehensive coverage may
be used to cover claims regarding accidents with animals.
Extreme Weather Damage
Extreme weather happens, and it is often unpredictable and unexpected.
You want to make sure you are covered under any kind of weather,
especially if you are located in an area that experiences extreme
Comprehensive auto insurance policies tend to cover weather damage like:
- Hail damage
- Flying debris due to high winds
- Flood damage
- Fire damage
It is estimated that over 72 percent of drives have comprehensive
coverage as part of their auto insurance policy. If your vehicle is
damaged or stolen, and you do not have comprehensive coverage, then you
will have to pay for that entire loss out of pocket. Contact your local
Acceptance Insurance agent today to make sure that you’re covered in the
event of the unexpected.