Investing in auto insurance provides a variety of benefits to owners. If you own a car, you have many types of policies available to you. You can choose from plans that offer minimal coverage to keep costs down. However, most drivers benefit from extended coverage. This includes comprehensive auto insurance.
In some cases, these policies protect your belongings in your car, too. Here is an example. Someone breaks into your vehicle. You did what you could by locking it. Nevertheless, they opened the trunk. They took your expensive gym equipment. What can you do in this case?
What Type of Car Insurance Do You Have?
To know if you have comprehensive insurance, look at your policy. Those with comprehensive auto insurance may be able to file a claim for items within the vehicle. This type of insurance usually covers the contents of your car. Policies such as liability coverage, collision insurance, and medical payments do not.
What Do You Have Coverage On?
Most often, items stored within the vehicle most of the time are a part of this type of coverage. This includes items like your GPS unit and radio. It may also cover items stored in the trunk. Clothing and personal items often fit. You may gain protection for other valuables as well.
How Much Coverage Do You Have?
Most policies will have a dollar amount per item and a total per claim. This means the auto insurance covers items up to a certain value, such as $500. It may have a total limit per claim that is higher. The policy will usually list this limit clearly on it. You can also file a claim for multiple items. The policy may have a specific limit on how much value the total claims if for as well.
When Does This Coverage Apply?
Your car insurance usually lists the specific perils or types of incidents to which the policy applies. In this case, it may cover losses from fires, theft, vandalism or storms. To know the specifics of your plan, contact your agent.
You can also update your auto insurance coverage to match your needs. Take the time to work with your car insurance agent to do so. You can increase the amount of coverage you have. If you do not have comprehensive coverage, now is a good time to obtain it.
Need auto insurance? Call Allen Harmon Insurance at 269.441.5156 right now! We can help you get a fast, free quote on a comprehensive policy.
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