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When purchasing car insurance, you are likely concerned about making sure you have enough coverage for the financial costs associated with damages and loss from a car accident.
When thinking about auto insurance claims, we typically think of car accidents first but there are many different ways that your car could be damaged. Your car could be stolen, vandalized, damaged due to weather, or by some other type of covered incident. If this is the case, your comprehensive coverage will come into play.
Is Comprehensive Coverage Necessary?
There are certain things a driver should take into consideration when deciding if they need comprehensive coverage.
It is important they know the approximate value of their vehicle, which can be determined by evaluating the make and model. Some makes and models have claims with higher repair costs than others because of how expensive their replacement parts are or their overall safety ratings.
Coverage
The more expensive a car is to purchase, the more expensive it will be to repair or replace it in the case of an accident. There are some claims covered by comprehensive insurance that are more common than others.
Theft claims are common in larger cities while drivers who live in desert areas will likely make more claims for glass repair because they are more likely to be hit by small rocks while driving. For drivers who live near National Forests or wooded areas, comprehensive coverage may be used to cover claims regarding accidents with animals.
Extreme Weather Damage
Extreme weather happens, and it is often unpredictable and unexpected. You want to make sure you are covered under any kind of weather, especially if you are located in an area that experiences extreme weather often.
Comprehensive auto insurance policies tend to cover weather damage like:
Hail damage
Flying debris due to high winds
Flood damage
Fire damage
It is estimated that over 72 percent of drivers have comprehensive coverage as part of their auto insurance policy. If your vehicle is damaged or stolen, and you do not have comprehensive coverage, then you will have to pay for that entire loss out of pocket.
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