When you’re driving through the streets of Brockton, Randolph and Stoughton, you need to make sure you and your car are covered. Auto insurance is a necessity both legally and for your own safety. The last thing you want is to have to pay for major vehicle repair out of pocket especially if you’re driving a new car.
There are quite a few types of auto insurance available, but one of the most popular is comprehensive insurance. As the name suggests, this covers quite a wide variety of incidents. Learn more about comprehensive insurance and discover if it’s something you need in your insurance package.
What Does Comprehensive Insurance Cover?
When you have comprehensive coverage, you can drive with peace of mind knowing you’re protected from various sources of damage. Most of it has to do with incidents that happen when you’re not there such as car theft and vandalism. Comprehensive coverage can go so far as to replace your car entirely should it be stolen. You’re also protected from quite a few natural occurrences such as a falling tree, fire and even flood damage.
While it does cover quite a bit, it’s important to know what it doesn’t cover as well. It will protect you in the event that your car is stolen, but it won’t cover you for items inside the car that are stolen. You also can’t use comprehensive insurance to cover any medical or legal expenses. Most notably, you won’t be covered for any collisions with other vehicles or objects.
Who Needs It?
The short answer is just about everybody. Most drivers all over the country are at risk of the incidents mentioned above. Some can even come out of nowhere like vandalism and falling objects, so it’s always better to play it safe. If you frequently have to drive through crime prone areas, you’ll always feel better knowing you’re covered if your car is stolen.
One of the most common types of accidents is hitting a deer, and that’s surprisingly not covered by collision insurance. You need comprehensive coverage for that, so it’s always best to play it safe especially if you drive around roads close to the woods like so many in Massachusetts are.
Legality
You always need auto insurance when you drive according to the law, but comprehensive coverage is never a requirement. You don’t have to worry about getting into trouble if you don’t have it. However, it’s common for comprehensive coverage to be a requirement for financing and leasing contracts. In those scenarios, the car isn’t technically yours, so it’s only natural for the owner to want adequate protection.
Visit Collision 24
Whether you have comprehensive insurance or not, you still need a place in the Stoughton, Brockton and Randolph areas that can handle any auto repairs you need. For quality service you can count on, head to Collision 24. Our highly trained technicians have extensive experience working with all kinds of makes and models, so feel free to stop on by no matter what kind of car you drive.
We’ve outfitted our facilities with some of the latest in auto repair technology, so you can always count on a quick and quality service. Don’t worry about having to deal with your insurance company either. We work with all major insurance companies to make sure you’re getting the coverage you deserve. Visit us in person or contact our team online to schedule your service appointment today!