Posted on: 16 October 2020
If you have a vehicle, you probably have an auto insurance policy that protects it. Every auto insurance policy has different coverage types, though, and you can choose the types you have. One type of coverage protects you from things like vandalism, theft, and storm damage. If you have this coverage type, you will have protection from these types of events. Here are several things to understand about this coverage.
1. Auto Insurance Providers Offer Many Options
The first thing to know is that you can customize your auto insurance policy by selecting the coverage types you want. If you want protection for your car against accidents that you cause, you will need to add collision coverage to your plan. If you want protection against things that might damage your car while you are at home, you might want to consider adding comprehensive coverage. You can also choose other coverage types, and you might want to talk to an agent to learn more about these options.
2. Comprehensive Provides Several Coverage Types
Comprehensive auto insurance is different from other types of protection you can purchase with your plan. The main provision of comprehensive insurance is the protection it provides for damages that are not related to driving. Comprehensive also covers some driving-related accidents, such as animal collisions. The main thing it covers, though, is damages to your car that occur from storms or theft.
For example, if a windstorm causes a tree to land on your car, your comprehensive protection covers the incident. If a person breaks into your car and damages parts of it, this coverage also protects you. Comprehensive reimburses you if someone steals your car or if anything damages it. As you can see, it is an essential form of insurance to have.
3. How Comprehensive Insurance Works with a Claim
If you encounter a situation where you have damage to your car from a storm or theft, you can file a claim with your insurance provider. The provider will evaluate the claim and cover it if approved. You will have to pay a small amount of money (a deductible) before the insurance company reimburses you for the damages.
If you want to reduce your risks, you might want to add collision and comprehensive insurance to your auto plan. If you have further questions, you can ask an auto insurance agent about these options and their costs.Share