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Car Insurance Matters


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Car Insurance Matters

I still remember the day that I drove off of that used car lot with my first car. In my excitement to show off my new ride to my friends, I smashed my car into a telephone pole. Although I can laugh about the accident now, it was devastating at the time. In addition to completely destroying my reputation, I also had to deal with the expenses that were involved with the wreck. Unfortunately, I hadn't purchased car insurance, so I had to foot the repair bills on my own. After getting my car fixed and thinking about my actions, it was very clear to me that I needed to invest in a car insurance policy. I decided to learn as much as I could about insurance, and that is one of the reasons that I decided to become an insurance agent.

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4 Key Benefits Of Choosing Comprehensive Insurance Over Other Products In The Market

Most people looking for vehicle insurance choose the bare minimum liability coverage. While it might cost little to get simple liability insurance, you might not get the protection you could enjoy with other products. In addition, if an accident happens, and you are underinsured, you will have to use your resources to make up for the difference between what you have and what the insurer pays. Hence, you should consider a product like comprehensive insurance coverage for additional benefits. Here is what you stand to gain with this coverage. 

Get Compensation for Accidents Involving Animals

Most people mainly worry about accidents involving other motorists, pedestrians, and stationary objects. That said, a third-party insurance policy easily covers these liabilities. However, accidents involving animals aren't part of the third-party plan. You should know that it is possible to hit a deer, cow, or other large animals as they cross the road. Given this, comprehensive insurance will compensate you for the damage the crash causes to your vehicle and any expenses you might incur from the accident. 

You Get Paid to Replace a Stolen Vehicle

Every vehicle owner does their best to protect their car from theft. Despite the measures taken, thugs might outsmart you and take off with your automobile. As such, you want to have a policy that can replace your stolen vehicle and get you back on the road in no time. In addition, some insurance providers will help you rent a vehicle to help you move around as you shop for a replacement car. Therefore, paying a little more for a comprehensive plan protects you from the hassle and additional expenses you might incur after losing your vehicle to theft. 

You Get Replacement for Hail Damage

Hail is another common source of vehicle damage. If a downpour finds you in an open space like the highway, it might completely wreck your windshield and other parts of your auto glass. Fortunately, most comprehensive insurance plans will compensate you for the damage caused by hail and all other natural calamities.

You Get Repair and Replacement for Fire Damage

Note that you also want protection against fire damage policies. This is because many things out of your control can lead to a fire, causing extensive vehicle damage. In such cases, the policy will sponsor repairs and replacement whether the damage is repairable or your car gets completely totaled.

These are a few ways a comprehensive policy will cushion you. Note that it differs from other types of policies on the market because of the array of liabilities it protects. Consult an auto insurance broker to learn about available products and their value.