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All You Need To Know About The Risks Covered By The Comprehensive Car Insurance

Published On Sep 21, 2022 10:00 AM By InsuranceDekho

All You Need To Know About The Risks Covered By The Comprehensive Car Insurance

Comprehensive car insurance is a type of insurance that covers a variety of risks, such as driving under the influence (DUI), property damage, and accidents. Comprehensive car insurance can be expensive, but it's important to understand the risks covered by comprehensive car insurance before purchasing it. 

Comprehensive car insurance policies also often have additional features, such as roadside assistance and theft protection. This type of insurance can protect you if you are involved in a car accident, get pulled over for speeding, or suffer from theft. 

To find the best comprehensive policy for your needs, it is important to understand all of the coverage that it provides.

What is covered in Comprehensive Car Insurance?

Comprehensive car insurance typically includes coverage for damage to the car, injuries to drivers and passengers, and uninsured motorist coverage. Other common features include roadside assistance, rental car coverage, and theft protection. 

When shopping for comprehensive car insurance, it is important to compare rates among providers. Make sure to ask about discounts for bundling several policies together. Comprehensive car insurance is also a good value if you have multiple vehicles and have had accidents in the past.

Which Risks are Covered in Comprehensive Car Insurance?

Comprehensive car insurance covers a range of risks, including those associated with driving such as liability, property damage, and accidents. It also includes cover for theft and other incidents that can occur while you're driving, such as drunk driving.  Comprehensive car insurance is often the cheapest option and can protect you in the event of an accident, no matter who was at fault.

  • Physical Risks: If your car is damaged in an accident, comprehensive car insurance will cover the cost of repairing or replacing the vehicle. 
  • Financial Risks: Comprehensive car insurance covers you if you are sued for financial damages, medical expenses of third party, etc.. 
  • Liability Risks: Comprehensive car insurancecovers  legal liability  if someone is injured while in your car, or if your car is used in a crime. 
  • Collision Coverage: Collision coverage in car insurance covers damage caused to your vehicle by another vehicle, even if you were not at fault.
  • Uninsured Motorist Coverage: This type of coverage helps protect you from financial losses if someone hits your car and then refuses to pay for the damage.

What are Additional Coverages Covered in Comprehensive Car Insurance?

Comprehensive car insurance policies cover additional coverage not found in standard policies. These can include: 

  • Collision: This covers you for damages to your car that are the result of a collision with another object. 
  • Liability: This covers you if you are responsible for injuries or damages to third party car or property.  
  • Towing and Labour: If your car breaks down and needs to be towed, this coverage will help pay for the cost of towing and labor involved in getting it back on the road. 
  • Uninsured/Underinsured Motorist (UM): This protects you if you're hit by someone who doesn't have insurance or doesn't have enough insurance to cover the cost of your injuries.

Conclusion

Accidents can happen to any person at any moment in time. Therefore, it becomes essential to have a second option that supports you in times of need. Thus, you must check all the risks that are getting covered in your policy and alter them as per your needs for better protection.

Also read: Detailed Guide On How To Claim A Car Insurance Online

Why Is It Important To Get A Car Insurance Coverage?

Disclaimer

This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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