Even the most careful drivers sometimes have their vehicles badly damaged, and not necessarily in a car accident. Non-collision incidents can cause major damage to a car’s body, such as windshield or window damage. Whether your car is damaged by a severe storm or by a wayward golf ball, you may be entitled to an insurance settlement if you have the proper coverage.

Comprehensive Coverage and Non-Collision Damage

Every driver is required to have a minimum amount of car insurance in Illinois, which includes bodily injury liability coverage and property damage liability coverage. These types of insurance cover injury or damage inflicted upon another party if you are at fault for an accident. While this is the only insurance that is required by law, there are many other types of car insurance that are important for protecting your vehicle.

Comprehensive coverage insures your car against any damage that is caused by a non-collision incident. Replacing car glass can be expensive, and this type of insurance protects your windows against damage. Some of the non-collision incidents typically covered under comprehensive insurance include:

• Storms (hail, lightning, etc.)
• Natural disasters (landslides, flooding, earthquakes, etc.)
• Vandalism
• Falling objects (tree branches, overhangs, golf balls, etc.)
• Hitting an animal while driving
• Theft

While it may seem unlikely that your car will be damaged in a non-collision accident, these incidents happen on a daily basis. Having comprehensive coverage gives you the peace of mind that, if your car is harmed by a non-collision accident, you can recover payment for the needed repairs or losses.

Contact Us

To speak to a representative about finding a comprehensive coverage plan at a competitive rate within your budget, contact the friendly Chicago car insurance agents of Insure on the Spot today at 773-202-5060.