It can often feel confusing and complicated when it comes to auto insurance. There are a couple of things to keep in mind when deciding which level of coverage is right for you. The most basic coverage, and the one you most likely have as it is mandatory in most states, is called liability coverage. This covers any damages caused to a third party and their property. You might then consider adding collision coverage as the road is where your car has the highest chances of getting damaged, right? Yes, but it only covers collisions against cars or walls. What if your car is damaged by a hailstorm or is stolen? You will need what’s called comprehensive auto insurance. This covers any damages caused to your car that is not related to a collision. This consists of a variety of situations including theft, vandalism, hitting wildlife, natural disasters, and many more. If you want to fully protect your precious car, comprehensive insurance is the right way to go. Read on to find out the top advantages of purchasing comprehensive auto insurance.
Covers Damages to Your Car
The biggest advantage to getting a comprehensive insurance is that now your car is also covered. Previously with liability or third-party coverage, your insurance company will only cover damages to the other party. This makes it so that you will have to pay for the repairs of your car out of your own pocket. Even if you are found to be at fault for the accident, your comprehensive coverage will still reimburse you for the damages caused to your vehicle.
Protects Against Natural Calamities And Fire Accidents
If your car has a mechanical defect, it can go unnoticed until it causes a fire accident. Similarly, during a natural calamity, debris can be flung and break your car. In these cases, no one is actually responsible for the damage so who pays for it? Under comprehensive coverage, you do not have to worry about paying for the damages caused. Instead, your comprehensive insurance will cover the costs according to your plan.
Secures Against Theft And Vandalism
What if someone else causes damage outside of a collision? This can come in the form of theft, vandalism, or civil disturbances. In cases of theft, you will be compensated for the full depreciated value of the car. For vandalism, the repair costs will be covered under comprehensive auto insurance. If your car is damaged beyond repair, it will be compensated just like in theft cases.
Get Comprehensive Auto Insurance With K&N Brokerage
As you can see, comprehensive auto insurance provides coverage for many situations that could possibly damage your car. If your car is valuable or precious to you, you should consider getting comprehensive coverage. At K&N Brokerage, in addition to liability and collision coverage, we also offer comprehensive insurance. This insurance will ensure that your car will be fully protected in any and all situations. Contact us now to get a quote so you can sleep peacefully knowing your car is safe and sound.