Comprehensive Car Insurance in Oakland, CA
Comprehensive car insurance may help pay for damage to your vehicle caused by events other than a collision. It is optional in most states, but many lenders mandate it if your car is financed or leased.
Who Needs Comprehensive Car Insurance?
Comprehensive car insurance can be valuable if your car is new, expensive to repair or parked in an area prone to theft or severe weather. It may also benefit those living in regions with frequent wildfires or high vandalism rates.
What Does Comprehensive Car Insurance Cover?
This policy may pay for your vehicle’s repair or replacement costs if the damage resulted from the following events:
- Theft
- Floods
- Vandalism
- Fire and explosions
- Severe weather like hurricanes or hail
- Falling objects (e.g., tree limbs)
- Crashes with animals (e.g., hitting a deer)
- Broken glass and windshield damage
- Civil disturbances such as riots
What Types of Damage Are Not Covered?
In most cases, comprehensive car insurance does not cover the following:
- Third-party bodily injuries and property damage
- Legal fees or settlements if you’re sued after an accident
- Medical expenses for you or your passengers
- Items stolen from inside your car, like electronics
- Regular wear and tear or mechanical breakdowns
If your car is older and its value has dropped significantly, it might be time to reassess your coverage. Speak to an insurance professional to help you decide if this type of insurance suits your needs.
Auto Insurance Agents Near Me
The dedicated professionals at AR Insurance Solutions have the expertise to assess your needs and recommend appropriate coverage. Contact us today to learn more.