2 Important Questions About Comprehensive Auto Insurance

Do you need to get car insurance and you are wondering what kind of coverage you need? This includes having comprehensive insurance coverage, which gives your vehicle complete coverage against things like fire and theft. Here are a few questions you likely have about this coverage. 

What Does Comprehensive Insurance Cover?

Comprehensive auto insurance covers a variety of different situations where your car can become damaged. The most obvious example of this is theft. If someone were to steal your car and it was lost forever or recovered with damage, comprehensive coverage will help fix the situation and either get you a new vehicle or pay for the damages to be repaired.

There are also many acts of nature that can damage your car that are out of your control. This includes storms that can cause flooding where water gets into the car, hail damage, or even debris damage, such as a falling limb from a nearby tree. 

You also get coverage from objects that hit your car that are out of your control. This could include rocks flying toward your windshield that cause it to crack, or even an animal that you hit that runs into the road.

Do You Need To Get Comprehensive Coverage?

You may be wondering if you even need to get comprehensive auto insurance coverage. It may or may not be required, which depends on how you are currently paying for your car. If you own your car outright without any loan on it, then you are free to skip comprehensive auto insurance if you like. Of course, you take on the risk of what happens if an accident does happen, and you'll have to pay for it out of your own pocket. 

If you are leasing your vehicle or have a loan that has yet to be paid off, then it is highly likely that you will need comprehensive coverage. This is because someone else owns the vehicle or has a lien on it, so they are invested in your vehicle being in good condition. If you did not have comprehensive coverage and the car was stolen, then there is the risk that you stop paying for the loan or lease and consider it a loss. Comprehensive coverage protects the lender so that they do not lose money in the end.

Reach out to a local auto insurance provider for more information on comprehensive auto insurance coverage.