Is Comprehensive Coverage an Option for Your Damaged Vehicle

Operating a vehicle can be dangerous at times. You have to prepare for multiple scenarios. It barely takes a split second for you to get involved in a serious vehicle accident. If your vehicle suffers damages, comprehensive insurance should protect you in most situations.

It’s impossible to predict what type of damage severe weather conditions may cause in a particular area. Perhaps flying debris lands on your vehicle and cracks a windshield. Maybe a tree falls on your vehicle and causes extensive damage. Comprehensive auto insurance is designed to protect your vehicle in such unique situations.

Comprehensive coverage also protects you if your vehicle is stolen or vandalized. The insurance gives you peace of mind during such times when you may be upset or irritated. If your vehicle suffers damage, things may become a little inconvenient as you figure out how long it will take to repair or replace your vehicle. Comprehensive insurance should help cover your damages and get you back on the road as soon as possible. This article discusses some key aspects of comprehensive insurance.

Common Situations Where Comprehensive Coverage Protects You

Imagine you are out driving during a high wind advisory. Your car is at risk of being damaged by flying objects. Consider the impact of branches hitting your vehicle or large debris cracking your windshield. Perhaps your vehicle is damaged due to an accidental fire. Your vehicle may become flammable due to internal and external issues. Comprehensive insurance will cover you during those situations.

If you reside in an area prone to hurricanes and tornadoes, you also have to be cautious. Many storms leave behind flooding in the aftermath. It’s possible that your vehicle could be damaged due to severe flooding. Perhaps you are traveling through a rural part of town or an area with a lot of trees. Your vehicle may collide with a deer or an animal. Colliding with an animal can cause extensive damage to your vehicle. Comprehensive coverage offers you financial protection in these situations.

There are multiple ways that your vehicle may be damaged due to an act of vandalism. In addition to broken glass, any dents or scratches on your vehicle may be considered vandalism. If your vehicle’s tires are damaged, or you have parts stolen off of your vehicle, those are also acts of vandalism. If your car is stolen, your vehicle may be classified as a loss if law enforcement cannot retrieve it.

Purchasing Coverage

Keep in mind that comprehensive coverage does not automatically appear on your policy. Speak with your insurance advisor and let them know you want comprehensive coverage when you sign up. If your vehicle suffers damage, contact your insurance carrier immediately. Your insurer can evaluate the damage and let you know the amount that they will cover. This is important because you will likely have to pay a deductible before your insurer pays for the remaining repairs.

If your vehicle is totaled, your insurer will pay out the cash value minus the deductible. If you don’t like being compensated for the value of your vehicle at the time it was totaled, you can research replacement value coverage. Replacement value coverage compensates you at the value of a new vehicle.

Comprehensive auto insurance coverage will protect your vehicle in various situations. If you have any questions about your auto insurance policy, contact our insurance professionals at Duane Weber Insurance for advice.