The definition of comprehensive is "complete, including all or nearly all elements or aspects of something," which makes many people assume that comprehensive auto insurance is all-inclusive insurance. This is not the case. Auto insurance is issued in basically three different parts, liability, collision, and comprehensive. Liability is the insurance that is required; collision and comprehensive are optional. At Griffin Insurance Agency in Mooresville, NC, we have been in business for over 40 years and have a combined 200 years of experience. We understand auto insurance and can help you understand what comprehensive auto insurance covers.
Comprehensive auto insurance is also known as non-collision coverage. What that means is that it covers your vehicle for damage that it may receive from things other than a collision with another vehicle. It does cover one collision event, if a large animal like a deer darts into the road in front of your car or runs into your vehicle, the resulting damage is covered under comprehensive auto insurance. It also provides coverage from weather events such as hail, wind, and even flooding.
Glass coverage is an essential part of comprehensive insurance coverage. In most cases, there is no deductible, and you can even have a company come to you to replace or repair your windshield. Most people rely on their vehicles to get to work and just to live their life. If that vehicle is stolen and not recovered or stolen and damaged, comprehensive coverage is there to repair or replace that vehicle. It can also provide a rental car if needed.
Comprehensive auto insurance may not be complete coverage, but it is critical coverage to have if you happen to need it. At Griffin Insurance Agency in Mooresville, NC, we understand the needs of our customers and are here to provide the coverage they want at a price they can afford. Why not stop by our office or give us a call for a no-obligation quote.