1. It covers costs for repair of damages caused by animal collisions.
Let us be clear on this: although comprehensive auto insurance covers animal collisions, it doesn’t cover collisions with another vehicle or inanimate object.
Animal strikes are very common when you are driving outside the town or city. They can cause dents to the body of your car, broken windshields, as well as damaged fender. So if you want repair costs to be covered by your insurance, then you should get comprehensive coverage.
2. It covers replacement costs of your stolen car.
Can you afford to buy the same car if it got stolen? If you answered no, then you should consider buying comprehensive auto coverage. Note, however, that it doesn’t pay you for the cost of a brand new car. Rather, it only reimburses you for the market value of your stolen vehicle. To know your vehicle’s current market value, talk to one of our agents.
3. It covers the damages caused by floods.
Do you live in a flood-prone area? Consider getting comprehensive car coverage for your vehicles. It covers water damage to your car’s upholstery and mechanical parts. If the damage is extensive, however, it may be considered totaled. Think this won’t happen? Studies show that around 20% of flood insurance claims come from those that are considered low or moderate risk areas.
4. It covers weather-related damages.
Here in Virginia we’re pretty much all at risk of a direct hit from a hurricane. If a hurricane could destroy your car you should consider buying this policy to cover the repair costs.
5. It covers a handful of other instances.
Fire damage is also covered by this type of insurance, as well as vandalism and damages caused by falling objects like tree branches.
Note that your deductibles will reduce your claims payout. Deductibles usually range from $250 to $2,000. If you don’t remember the exact amount, you can re-check your policy or speak with one of our agents directly.
If your car is totaled, you’ll only receive coverage for the market value of your vehicle before the incident, minus the deductible. That means that the value of your coverage decreases with your car’s age.
Do you need comprehensive auto insurance? Here at Insurance Strategies - The Cooksey Agency, we are committed to giving you a dependable car insurance that best suits your needs. Be financially protected, call us at (757) 819-6896 or visit us at our office and get a quote now!