When it comes to buying auto insurance, you have many options to choose from. However, one of the most critical decisions you will have to make is whether or not you should have comprehensive coverage. Comprehensive coverage is optional, but it can offer additional protection on top of liability insurance, which is required by law. In this blog post, we will explore what comprehensive coverage is, what it covers, and whether or not you should get it.

What Is Comprehensive Coverage?

Comprehensive coverage is optional auto insurance that covers damage to your car that isn't caused by an accident. This includes damage done by weather events such as hailstorms, flooding, or wind, as well as incidents such as theft, vandalism, or hitting an animal. Comprehensive insurance also covers fire and falling objects. Essentially, any damage to your vehicle that occurs when you are not driving is covered by comprehensive insurance.

What Does Comprehensive Coverage Cover?

Comprehensive coverage covers a wide range of damages and events that could happen to your car. In addition to the events mentioned above, comprehensive coverage may also cover smashed windows due to riots or protests. It can also cover damage to your car caused by hitting an object, such as a fallen branch or rock, in the road. Comprehensive insurance may also cover rental cars if you have the option of renting while your vehicle is being repaired.

Should You Get Comprehensive Coverage?

The answer to whether or not you should get comprehensive coverage depends on your specific situation. If you have an older car that is not worth a lot of money and is not financed, you may want to consider skipping this coverage to save money on premiums. If you have a new car, financed or leased, or a high-value vehicle, it may be worthwhile to invest in comprehensive coverage to ensure that you are protected in case of theft or other non-driving related damages.

Comprehensive coverage is a valuable option for those who want to ensure that their vehicle is protected from non-driving-related damages. It covers a wide range of events, from theft to natural disasters, and offers added protection beyond that of standard liability insurance. While it is ultimately up to the individual to decide if comprehensive coverage is right for them, it is important to consider your situation and weigh the potential risks and benefits before making a decision.

Contact a company like IMS Insurance for more information about auto insurance.