Auto insurance is something that is mandated by law, but only liability coverage. When you have a car loan, comprehensive and collision coverage will be required. Many people no longer have a car loan, and that brings up the necessity of reassessing your coverage. Most people understand what collision coverage is and the benefits it provides. Comprehensive insurance is much less understood, and you may be wondering if it is something that you need. At The Wurzel Agency in Oviedo, FL, customer service is what we are all about, and with our many years of experience, we can help you to understand what type of car insurance are right for you.
Collision coverage protects your vehicle if you are deemed fully or partially responsible for an accident. It will provide the money to repair or replace your car up to the limit of your policy after the deductible is met. So what exactly does comprehensive insurance cover?
Comprehensive insurance is frequently referred to as “non-collision” insurance. This is not wholly accurate. While comprehensive insurance does not cover a collision with another motor vehicle, it does cover collision with a large animal such as a deer or moose. As humans encroach on animal habitats, this is all too common an occurrence. It also covers weather-related events such as high winds and even flooding. High winds can send tree limbs flying onto your vehicle. Theft and vandalism are also covered under comprehensive insurance. Glass coverage is one of the most frequently used parts of comprehensive auto insurance; most policies will replace your windshield without a deductible.
At The Wurzel Agency in Oviedo, FL, we understand auto insurance, and we are dedicated to making sure you get the right coverage for you and your vehicle. Give our office a call for a no-obligation quote.