What comprehensive car insurance covers


If you have a car, you need insurance for it. These days there is no way to get around. If a police officer ever has to pull you over while driving, he / she will request your license, registration and insurance certificate. Having someone could lead to a number of headaches and fees for you, depending on where you live. If you buy a car for the first time, it's good to have a reputable insurance agent guide you to the right policy that suits your needs. You can also consider whether you need comprehensive car insurance.

What is comprehensive car insurance?

As the name suggests, this kind of insurance is designed to pay in case of a number of damage to your vehicle. Simply put, comprehensive car insurance protects your car from fire, theft, weather damage and "actions of God". Saying a tree falls on your car while it is parked somewhere – a comprehensive policy covers this.

It is important to note that this policy does not cover damage caused by an accident. For this you must have a collision policy that helps you in case of an accident caused by you or something or someone else.

How much is comprehensive insurance for your car?

The cost of policies varies depending on where you live, and also depends on what you are willing to pay for the pocket for expenses not covered by a policy. Should something happen with your car – like broken windows after robbery or a damaged frame after a bad storm – the payment will take care of repairs until the deduction is exhausted. If you want to pay a low premium to be within your budget, your deductible will also be low as well.

Do you really need a comprehensive policy?

It depends again on where you live. Most states require a certain degree of insurance carried by a driver and, as collision insurance is best in case of an accident, drivers may be more likely to invest in this policy. You can consider a comprehensive policy if you live in an area that is exposed to bad weather and / or crime or if your car is too important an asset to leave uninsured in that way.

Comprehensive car policies are designed to protect your vehicle when damage does not occur from an accident. If you think your car is worth the additional insurance, contact your agent for more information.


Source by Kathryn Lively

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