If you were to run into a boulder, the cost of repairing your own car is paid for by your collision coverage.
However, what happens if a boulder falls on your car, or a deer rams into the side of your vehicle?
In order to cover these repair costs, you may need to add comprehensive coverage to your auto insurance policy.
What Is Comprehensive Coverage?
Basically, comprehensive coverage pays for repairs to your car when it’s damaged by things other than an accident. This can include damage as a result of theft, acts of nature, animals, and falling objects.
For example, if an animal got into your car and destroys the upholstery, the cost to replace the upholstery would be covered by your comprehensive coverage after you pay the deductible. Otherwise, you would have to pay to replace the upholstery yourself.
When You Should Purchase Comprehensive Coverage
You’re not required to have comprehensive coverage, so whether you want to spend the extra money depends on your finances and the value of your car. If your car is old or in poor condition, it may end up costing you more than the car is worth. However, if your car is newer or expensive to repair or replace, having comprehensive coverage can save you in the event that your car is damaged.
If you can’t afford to replace your car or pay for major repairs out-of-pocket, an auto insurance policy with comprehensive coverage will not only give you peace of mind, but may keep you from financing expensive repairs on high interest rate credit cards or borrowing money from friends and family.
Comprehensive vs. Collision Coverage
Although you might think “comprehensive” coverage includes everything, it’s actually only useful in specific circumstances. While it does pay for certain types of accidental damage, it won’t pay for repairs that result from normal wear and tear or regular maintenance.
Also, comprehensive coverage will not pay for most damages that occur if you run into something while driving, though your collision coverage will. Collision coverage will basically pay for accidents where you are at fault. If you back your car into a boulder, for example, collision coverage pays the bill. However, if the boulder falls on your car, comprehensive coverage will take care of it.
In short, both comprehensive and collision coverage are both crucial to protecting your vehicle from all kinds of unseen danger. Here at Amistad Insurance Services, we are dedicated to proving you with the coverage you need to be safe on and off the road. If you would like a Raleigh auto insurance quote or have any questions, don’t hesitate to contact us today.