Insurance Services of Washington Blog
The best auto insurance deal is comprehensive auto insurance. This insurance policy pays for only a few problems but your regular car insurance won't pay for these costly expenses. Here are five important benefits that you can avoid if you get comprehensive auto insurance.
Payment for Stolen Car
Do you think you could afford to buy another car if someone stole yours and you were not able to recover it? Get a comprehensive auto insurance policy in case you cannot afford it. If you have financed the car, then your lender will ask for your insurance policy.
A standard comprehensive insurance coverage will not pay for a brand-new car. However, it will simply reimburse you totally for the current value of the stolen one. This means that it must be cheaper than the price at which you bought it.
Payment for Animal Collisions
Standard normal insurance never pays for damage due to collision from animals. However, a good advantage with comprehensive coverage is that it can handle such expenses. The coverage includes a broken windshield, dented hood or a crushed fender. The usual culprits are deer, moose or even livestock.
Payment for Flood Damage
Water, especially at high levels, can destroy not only the upholstery but also the mechanical parts of your vehicle. Comprehensive coverage handles insurance claims even from those with low or moderate risk of flooding.
Payment for Weather Damage
The insurance company will always issue a check for any part of your car destroyed by the wind or any incident related to bad weather. This actually includes golf balls or rocks carried by the wind or even a tornado picking up your car and smashing it miles away.
Payment for Fire Damage
If you encounter roadside car fires like those you see in traffic reports in the early mornings, then expect that the insurance company will issue a check for you. Damage caused by huge pile-ups or even something as trivial as vandalism or falling tree branches are also covered by comprehensive auto insurance.
Some Final Words
Before you get auto insurance, ask your agent whether it covers all these accidents. Comprehensive insurance policy may not be as easy to pay as the standard normal auto insurance. However, it can save you a lot of cash in case these accidents happen.
After all, the purpose of every insurance is that you won't ever have to pay a penny for any bad thing that happens to your car. At Insurance Services of Washington Inc., we put our clients first by offering them policies that they can afford. Learn more about our products and services by calling our agency at (425) 868-1123. You can also request for a free quote by clicking here.