Introduction
When reviewing your car insurance, you must weigh multiple details. Most drivers view auto policies strictly as accident protection, but what happens if your vehicle sustains damage outside of a standard collision? Consider scenarios like a stray tree limb striking your roof, a rock chipping your front windshield, or a wild deer darting directly across your path. This is precisely where comprehensive coverage steps in to restore your vehicle.
What does comprehensive insurance cover?
While collision coverage handles repair or replacement costs following a multi-vehicle accident, it fails to address non-collision hazards. Comprehensive protection fills this gap by shielding you from additional risks. A standard policy typically accounts for the following events:
- Fire and explosions
- Vandalism, such as when someone keys or tags your car
- Theft-related damage, for example, damage caused when breaking into the vehicle
- Storms, such as wind, hail, tornadoes, floods, earthquakes and hurricanes
- Falling objects such as a tree limb falling on a parked car, or if someone’s hauling materials and something falls and lands on your car
- Windshield cracks and chips
- Animal-related damage, such as damaged caused by hitting a deer that leaps into the road
- Limits and Deductions: It also involves the limits of the policy and the deductibles, which impact the out-of-pocket expenses during a claim.
At Samuelson Insurance Group we will make sure you not only understand your insurance policy, but we will ensure you are positioned competitively as your local independent agent.