Comprehensive auto insurance can be an important part of protecting your car. You may have this coverage on your policy, but are not sure exactly what it covers. This coverage is an optional addition to state required liability insurance. Sometimes, an auto loan company will require you to have comprehensive coverage to be sure the vehicle is protected.
So, what does comprehensive auto insurance cover?
- Fire: Comprehensive coverage can cover damages caused by fire. For example, if the interior of your car is damaged by fire, this is what would pay for its repair (after the deductible is met).
- Theft: If your car is stolen and unrecovered, comprehensive coverage can pay you the fair market value of your car (minus the deductible.) The contents of the car are normally not covered on your car insurance, but rather by your home or renters insurance.
- Vandalism: If your car is broken into or vandalized, comprehensive coverage can pay to repair what has been broken or damaged on the car (after the deductible is met.) Again, the contents of your car aren't usually covered under your car insurance.
- Animal hits: Hitting an animal is usually covered under comprehensive coverage. This means you did in fact hit an animal. Swerving to miss an animal and getting into an accident is covered by a different kind of optional car insurance.
- Acts of nature: Acts of nature can include a tree falling on your car, hail damage or debris damaging your car during a windstorm. These and more are considered acts of nature and are generally covered under comprehensive coverage (after the deductible has been met).
Comprehensive is a good coverage to consider for your auto insurance policy. Most covered incidents do not count against you on your future insurance. It is also usually more affordable than you might think.
Get the coverage you need. Call Peachstate Insurance at 404-320-9995 for more information on Atlanta auto insurance.