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Comprehensive Auto Insurance Information
Did you know your vehicle can be damaged even if you’re not driving it? Your vehicle can be damaged if a tree falls on it, you have an ignition fire, or if your vehicle is stolen or vandalized. These incidents can be costly and happen at inopportune times. Comprehensive auto coverage helps you to pay for the costs of repairing or replacing your vehicle after non-accident damage.
Comprehensive coverage is essential to your auto policy, especially if you have a new or financed vehicle. Kevin Brewer & Associates, Inc. can help you get the vehicle coverage you need.
What Does Comprehensive Mean in Insurance?
Comprehensive auto insurance means your vehicle has hazard coverage even if you didn’t have a car accident. Comprehensive auto insurance may cover the costs of damages resulting from:
Is Comprehensive Coverage Full Auto Coverage?
Comprehensive auto insurance doesn’t pay for every type of cost from an accident or other incident. The policy only pays for your vehicle damage and only compensates you for damage from a non-wreck-related hazard. You should also consider purchasing collision insurance and medical payments coverage with comprehensive coverage.
Additionally, North Carolina state law requires drivers to have continuous liability auto insurance, coverage for uninsured/underinsured motorists, and minimum bodily injury and property damage limits. Kevin Brewer & Associates, Inc. can help you navigate these insurance requirements and find the appropriate comprehensive policy for your needs.
Is Comprehensive Insurance Worth It?
If you sustain damage to your vehicle and cannot pay for repairs, you could be driving an unsafe vehicle or may have to arrange for other transportation. Comprehensive insurance lets you repair your vehicle and reduce your risk potential. It can save you time and money and reduce frustration.
How Much Comprehensive Coverage Should I Get?
How much coverage you need will vary depending on your vehicle’s value and whether you outright own, finance, or lease your vehicle. Banks often require comprehensive coverage if you finance a vehicle, and you’ll need to purchase insurance aligned with the bank’s requirements.
However, even if you’re not required to carry it, you can benefit from comprehensive coverage.
How Much Does Coverage Cost?
Most comprehensive policies will settle with you based on your vehicle’s actual cash value (ACV). ACV is the depreciated value of a vehicle at the time damage occurs.
If you have a vehicle loan, you might benefit from guaranteed auto protection (GAP)insurance. This insurance helps pay off the value of your loan if you have damage that totals your vehicle. It pays the difference between your remaining vehicle loan and a cash value settlement.
The cost of your insurance depends on various factors, including age, driving history, type of vehicle, credit score and more. We can help you get the best coverage for your needs. Auto insurance coverage may be a monthly expense, but it provides vital protection and is easier to pay than uninsured damage repairs out-of-pocket.
How We Can Help
Call Kevin Brewer & Associates, Inc. today at 704-549-1222 to add comprehensive coverage to your auto insurance policy.