Arnold, Bruce & Doerfler Insurance Blog
Comprehensive auto insurance is one of the first things that should be on the mind of all car and vehicle owners. After all, the word “comprehensive” is not just another term. In fact, it includes so many benefits. It can also pay to repair a few problems although these problems may cost a lot. Here are five of the best key benefits of comprehensive auto insurance.
Reimbursement for a Stolen Car
Unless you can afford to buy another car the next day just like the one you had in case that one was stolen, then you would need comprehensive auto insurance. And if you were able to finance the car, your lender will most likely want you to have a policy first. Although the comprehensive insurance does not pay for your brand-new car, it still reimburses you for the stolen car’s value.
Repairs From Damage
Collision coverage does not pay for the repairs in case an animal collided with your car. Your comprehensive coverage will do that for you. Problems with animal collisions such as those caused by a moose, a dog, a wild animal, or a large domestic animal will be your insurance’s responsibility. Your comprehensive coverage will handle the dented hood, the smashed fender, and the cracked windshield anytime.
When natural disasters such as tornadoes could destroy cars and vehicles by picking them up and dropping them somewhere, then your comprehensive coverage can pay you for the repairs. If your car is totally destroyed by any bad weather, it will make your insurer determine your car’s value and pay yours for it.
Repairs From Flood Damage
In case flood water has destroyed your car’s mechanical parts and has damaged its upholstery, then that would mean serious damage to it. The solution is still comprehensive auto insurance. An estimated 20% of all flood insurance claims from low- or moderate-risk areas are all responsibilities covered by comprehensive auto insurance.
Repairs From Fire Damage, Vandalism or Falls
Any accidents caused by fire or that resulted in a fire that damaged your vehicle will then be a responsibility of your comprehensive insurance. Thus, your comprehensive auto coverage will handle roadside care fires in case it is your car that happens to be in there. In the same way, if your car is damaged by vandalism or falling branches of trees, then rest assured that your comprehensive auto coverage will take care of everything.
Some Final Words
No matter what qualifies as a comprehensive claim, you should trust your insurer that your comprehensive auto insurance will handle most of your expenses from repairs. Your comprehensive coverage decreases as your car ages, but the insurance can still save you a lot of money. If you want to know more about this type of insurance, ask us any question on our website today.
At Arnold, Bruce & Doerfler Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (503) 222-1951 or Click Here to request a free quote.