Having collision coverage on your car is a great form of protection, but you should also realize that comprehensive coverage is also important. Some people skip this coverage as a way to save money; however, you should consider adding it to your policy, as it provides a lot of different types of coverages, and some of these are types you might not even suspect.
Hitting an animal
Did you know that if you are driving and a deer jumps in front of your car, it is your comprehensive coverage that will cover the costs of the accident and not your collision coverage? Many people believe that collision coverage covers all types of accidents a driver causes by him or herself, but this is not true. If you strike a deer, or any other animal, and do not have comprehensive coverage, you will be paying for the repairs out of your own pocket.
Replacing a car seat after an accident
Another thing some people do not know is that after an accident occurs, you cannot use a car seat that was in the car during the accident. You are required to throw the car seat away and purchase a new one. Fortunately, if you have comprehensive coverage, your insurance company will reimburse you for the cost of a new car seat.
Fixing your car after someone vandalizes it
Additionally, it is not collision coverage that compensates you after someone vandalizes or steals your car. Instead, it is comprehensive coverage that you would use to receive compensation for the damages you encountered from a situation like this.
Staying in a hotel if you are in an accident while traveling
It is also important to understand that comprehensive insurance will cover the costs of a hotel room if your car breaks down while you are traveling. Suppose you are hundreds of miles away and experience a mechanical issue with your car that prevents you from being able to go anywhere. If you are in this position, you could stay in a hotel room and bill your insurance company through your comprehensive coverage for the costs of the room.
If you encounter any of these types of incidents and do not have comprehensive coverage, you would likely be unable to file a claim for them. Because of this, it is important to add this type of coverage to your policy to have the protection you need. You can do this by contacting an insurance agency today.
For more information, go to companies like Angel Auto Insurance.
