Comprehensive Auto Insurance in Kyle TX is important because it covers incidents that don’t qualify for compensation under liability or collision coverage. For example, if a thief breaks a side window to steal something inside the car, this is not a collision and will not be covered under the collision part of the policy. Comprehensive coverage does pay for repairs for this type of damage after the deductible is met.
Collisions
If the owner of the vehicle accidentally backs into a utility pole, collision coverage will apply, since insurance considers hitting a stationary object a collision. However, collision insurance does not apply if a thief steals the car and then crashes it into a utility pole because the criminal is not the owner or a covered driver. That damage must be paid for by the comprehensive insurance.
Forces of Nature
This kind of Auto Insurance in Kyle TX also covers incidents due to forces of nature. A tree limb falling on the top or the hood of a car might occur because of a windstorm. A limb hurtling down during a storm can impale the windshield and destroy it. Hail can cause significant body damage to vehicles. Also, damage caused by hitting wildlife on the road also is addressed by comprehensive insurance.
Preventing Further Damage
One aspect to remember is that the owner must prevent the possibility of further damage as soon as possible. For instance, covering broken windows with plastic is essential for blocking the rain. If possible, the vehicle could be moved into a garage until repair work is completed. The insurer will not pay for damage to the interior that occurs after the adjuster has examined the vehicle.
Considerations
Vehicle owners sometimes worry about claiming on their automotive insurance because the rates might go up. This usually isn’t the case with comprehensive coverage since the policyholder typically cannot be considered at fault for the damage.
Required Coverage
When someone is making car payments, the financing company requires collision coverage and may also require comprehensive through an agency such as Perdue Insurance Group. After the vehicle is entirely paid for, that insurance becomes optional, although liability insurance is still mandated by Texas state law.
