A lot of people don’t really understand what is covered under a comprehensive auto insurance policy. Most people understand that collision insurance is important because it will help with any financial payments that are owed as the result of vehicle damage in an accident. Taking a look at the comprehensive car insurance definition, it is apparent that “all damages other than those caused by a collision” are covered. So anything you can really think of besides damages by colliding with another vehicle are covered. Below are 5 things that comprehensive auto insurance helps cover.
1. Slashed tires – Let’s say that you come home and find that someone has slashed your tires and really messed up your vehicle. Although the people that violated your vehicle may have caused thousands of dollars worth of damages, you will get fully reimbursed by your insurance company for the damages under comprehensive policies.
2. Hitting an animal while driving – It is common for people to crash into animals while they are driving, especially on the highway when traveling at high speeds. If you hit something like a coyote while driving in Arizona, it could end up really damaging the front end of your car. After the accident, not only will you be shocked, but you will hope that your damages will be covered by your auto insurance policy.
3. Tornado damage – Any weather damage is included in a comprehensive policy. This means that if your vehicle gets picked up in a tornado and thrown halfway across town, you will be given money to replace it.
4. Stolen parts – For import car insurance policies, it is very common for people to get comprehensive coverage simply because the parts are so expensive to replace. If you have an expensive car, parts like: windshields, windows, mirrors, and hubcaps cost a lot to replace. If you live in a place where stolen cars and parts are common, you would be smart to make sure you are fully insured.