Why Purchase Comprehensive Car Insurance?

Comprehensive coverage is a unique additional coverage option that anyone may choose when deciding on car insurance. Unlike liability insurance, comprehensive coverage is not mandatory. However, it can be a useful option to have that will pay for itself if even one incident occurs. Knowing the basics of comprehensive coverage and how it can benefit you can help you to make a more informed decision regarding your insurance options.
 

What It Covers

Comprehensive coverage protects your vehicle from damages caused by non-collision accidents. If your car is damaged in a storm or is hit by a wayward baseball, your collision insurance will not cover the damage because there was no accident with another vehicle. This is when comprehensive coverage can be beneficial.

This type of insurance protects you from a number of non-collision damages, such as:

• Flooding
• Hail
• Fire
• Damage from a falling object
• Damage from hitting an animal
• Vandalism
• Broken glass

If you live in an area that is prone to natural disasters or where car crimes are common, it may be in your best interest to purchase comprehensive coverage. With just one windshield repair or flood damage repair, comprehensive insurance can be a very valuable asset.

Even if you do not live in an area where you car is at risk of being damaged, accidents do happen. Collision coverage may still be a wise option, particularly on a new or slightly used car, and could save you hundreds or even thousands of dollars in repairs.
 

Contact Us

To learn more about comprehensive coverage and other insurance options that are available to you, please contact the Chicago car insurance professionals of Insure on the Spot today at 773-202-5060.