Shopping around for car insurance can be a time consuming
and challenging task. Trying to master the basic terms associated
with a car insurance policy can be a trying experience as
well. This article has been prepared to provide you with
some basic information about car insurance, specifically
about comprehensive coverage in your car insurance policy.
While you may have heard the term comprehensive coverage,
you may not know exactly what is involved in this type of
Comprehensive coverage insurance basically covers damage
done to a vehicle that doesn’t involve a collision with
another car. These types of accidents may include damage
that occurs when a car is damaged by adverse weather conditions
such as hail, earthquakes, damage caused by hitting animals
and fire damage. Some places that are prone to adverse weather
conditions or natural disasters may have to pay more to
insure their car for natural disasters.
Other things that a comprehensive insurance policy will
cover are theft of your car, and damage due to vandalism
or riots. Depending where you live theft and vandalism may
be regular events, so having a comprehensive coverage option
on your insurance policy could be well worth it.
Because comprehensive coverage covers the cost to repair
your vehicle if it is damaged outside of normal collision
conditions, whether a policy is needed depends a lot on
the value of the car being insured. Often if the car is
not worth a lot of money then this option can be avoided
to save on extra insurance costs.