What Does It Cover and Not Cover?
It covers pretty much anything that damages your vehicle outside of a wreck. That includes Mother Nature in the form of flood, hail, hurricanes, earthquakes, fire and more.
An example is if something falls on it, like a tree branch, it’s covered. Did it get stolen? Covered. Vandalized? Covered.
Damage to your vehicle that isn’t covered is damage from a car wreck. Other things that are not covered include routine maintenance such as belts and hoses, brakes, tires and windshield wipers. Here’s a handy table to further illustrate what is and isn’t covered.
|Theft: This coverage protects you by replacing your vehicle at current market value if it is stolen
|Vandalism: Vandalism is when someone damages your vehicle on purpose, such as a key scratch.
|Fire: Covers you if your vehicle catches fire or is destroyed or damaged by a fire.
|Natural Disasters (hurricane, tornado): If your vehicle is damaged or destroyed due to a natural disaster, this policy will help you recoup your losses.
|Falling Objects: Falling tree limbs or other items are covered under a comprehensive policy.
|Animal Damage: If you run into an animal, this coverage will help pay for repairs.
|Civil Disturbance (riot): If your vehicle is damaged in the course of a civil disturbance, this policy will help you pay for the repairs or replacement.
|Collision: Comprehensive typically will not pay for repairs or replacement due to a collision with another vehicle or object.
|Another Person’s Vehicle: There is no coverage for somebody else’s vehicle.
|Medical Expenses: Comprehensive does not pay for medical bills.
|Normal Wear and Tear: Comprehensive does not pay for routine maintenance due to normal wear and tear
Find Affordable Car Insurance Quotes Online Today
At Freeway, we can help you make sense of the choices you have in car insurance. Contact us today for a fast and easy car insurance quote online, reach out by calling us at 800-777-5620 or stop by one of our convenient locations.