Comprehensive auto insurance covers vehicle damage not caused in an accident. Coverage includes damage caused by fire, theft, weather, and vandalism; however, it does not cover damage caused by hitting another vehicle or object, nor does it cover bodily injury. Those in South Kingstown, RI should speak to an insurance agent at Kingston Insurance Agency LLC to discuss comprehensive auto insurance options and learn more about what is covered.
What Does Comprehensive Auto Insurance Cover?
Damage caused to your vehicle by an event other than an accident is covered under your comprehensive auto insurance. Events covered by your comprehensive auto insurance include fire, theft, acts of nature (hurricane, flood, hail, tornado), falling debris (tree limbs), animal damage (hitting a deer), and windshield and glass damage. This insurance coverage does not pay for bodily injury, damage to another vehicle, rollover accidents, or damage caused by hitting a stationary object.
Does Comprehensive Auto Insurance Have a Deductible?
Comprehensive auto insurance coverage does have a deductible, which is the amount you selected when purchasing the policy. Ultimately, higher deductibles mean lower rates but more out-of-pocket expenses when filing a claim.
Do I Need Comprehensive Auto Insurance Coverage?
State requirements do not call for comprehensive insurance coverage as a minimum requirement. However, it is generally a good idea to purchase this coverage for your vehicles and your protection. If you drive your vehicle often, have an expensive car, or live in a high-risk area with theft or natural disasters, comprehensive auto coverage may be a great purchase. Additionally, many lenders require comprehensive auto insurance during the length of your auto loan.
Protect yourself in the event of an unexpected event, such as a storm, fire, or theft, by purchasing comprehensive auto insurance coverage in South Kingstown, RI. For additional help or information about comprehensive insurance coverage, call Kingston Insurance Agency LLC today.