Events Covered By Comprehensive Auto Insurance

We are all familiar with collision insurance. The name says it all: the car is financially protected against collisions and when those happen, the insurer will provide money for repairs or replacements.  But the term “comprehensive auto insurance” can be a bit confusing. Plus, this policy is complex and almost all companies selling it include several limitations and exceptions. So, read our blog and find out events covered by comprehensive auto insurance.  If you decide to extend coverage and purchase this policy, make sure to get first free car insurance quotes for this type of insurance.

  1. Comprehensive auto insurance covers against “acts of God”. “Acts of God” is the general name under which numerous extreme weather phenomena are described in the contract. The most common phenomena which can damage your car are: floods, landslides, hailstorms, hurricanes, tornados, forest fires, volcano eruptions and earthquakes. It practically describes unpredictable, uncontrollable events.  The company will provide sufficient funds to repair the car or to replace it, if the car is considered totaled.
  2. Comprehensive auto insurance provides financial support when the car is stolen. One of the worst things it can happen to your car is to be stolen.  Things can get pretty complicated, unless you have a tracking device.  Company will provide full financial support if you prove that your car was stolen, although you tried to keep a good level of security. Furthermore, you will be reimbursed for lost accessories, assuming that they were declared before the theft took place.
  3. Comprehensive auto insurance provides financial support when the car is vandalized. With so many violent protests taking place in the recent period, it is normal to be concerned about vandals who can destroy your parked car. You can file a claim if you have this policy and you will be justly reimbursed.

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