Most of us understand that auto insurance is designed to protect us, other drivers, and our vehicles. However, many of us don’t understand the different types of auto insurance and what each type covers. Cross Creek Insurance of Hope Hills, NC is committed to helping North Carolina residents understand auto insurance. We take pride in educating North Carolina residents on different types of coverage. Comprehensive coverage is a form of auto insurance designed to help insurance holders cover certain expenses that arise from non-accident situations.
What Is Comprehensive Auto Insurance?
In short, comprehensive insurance covers damage to your vehicle that results from non-accident situations. This form of coverage will pay for damage to your car if the damage is equal to or less than the value of your car. comprehensive insurance can cover damage to your car from falling trees or objects. It also covers damage to your vehicle that is the result of fires, floods, hail, and wind: In other words, weather-related damage. If the damage exceeds the value of your car, the insurance company will total the car. When a car is totaled it is considered a loss. The cost to repair the damage exceeds the value of the car. Comprehensive insurance will pay for damage to the car minus the cost of your deductible. This insurance is different from collision coverage in that it covers damage to your car that results from situations beyond your control that aren’t accident based. In other words, they don’t involve a collision with another car or motor vehicle. We are committed to helping North Carolina drivers understand comprehensive insurance and choose the best coverage for their unique situation. Give us a call. We can’t wait to answer your questions.