2 Car Insurance Coverage Types To Seriously Consider

Car insurance is one of the most important types of insurance that you can have, but it does need to be supplemented a bit to get the best possible protection for your vehicle. When shopping around for car insurance, you should seriously consider adding comprehensive and uninsured motorist coverage.

Comprehensive Coverage

Basic car insurance is great for protecting you and your vehicle in the event of an accident, but it doesn’t really help in any other situation. However, comprehensive insurance coverage is available that can expand your protection so that you are protected from non-collision related damages as well. For example, this type of insurance coverage will actually provide you with coverage if your car is damaged or destroyed during a natural disaster, such as a flood, hurricane, or fire.

Comprehensive coverage is also going to be able to replace your vehicle if it is ever stolen. In addition, this type of coverage will help you out if your car is vandalized or broken into or if a branch or other debris lands on top of the vehicle and damages it.

Uninsured Driver Coverage

While everyone is typically required to have insurance on their vehicles while driving, there are people out there that will try to drive without insurance because they want to save money, cannot afford it, or cannot get coverage. If one of those people happens to run into your vehicle, then you will be the one that has to pay to fix your vehicle and any potential medical expenses for you and your passengers. 

Uninsured motorist coverage will pay to repair the damage to your vehicle and cover your medical bills if you are struck by an irresponsible individual who has chosen to drive their vehicle illegally without auto insurance. You should also consider a related type of auto insurance, underinsured motorist coverage, that will cover you if you are hit by someone who does have auto insurance but not enough to cover all of your damages. In that situation, the underinsured motorist coverage would cover the shortfall. 

Speak to your local insurance agent today in order to discuss which types of coverage he or she would recommend for your situation and budget. Having uninsured motorist coverage is a great way to ensure that you do not have to suffer financially if someone strikes your car while operating his or her vehicle without insurance, while comprehensive insurance can expand your basic coverage beyond collision protection. Contact a professional like Chris Mellor Insurance Brokers Ltd for more information.

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