Comprehensive Auto Coverage – It's More Important than You Think
Among the various types of auto insurance coverage available, comprehensive auto coverage stands out as an essential safeguard against a wide array of risks. This article explains what it is, and why it may be more important than you think. While comprehensive coverage is not mandated, New York State’s no-fault insurance laws emphasize the importance of safeguarding your own vehicle against damages not caused by a collision.
What is Comprehensive Auto Insurance Cover?
Comprehensive coverage, (a.k.a. other-than-collision coverage), protects your vehicle against damage caused by events not related to a collision such as:
Natural disasters
Theft and vandalism
Fire and explosions
Glass damage
Animal collisions
Why Comprehensive is Particularly Important in Our Area
It’s particularly important for drivers in Upstate, New York to have Comprehensive Auto Insurance because of the environment many of us live in. Not only do we experience harsh weather conditions, but many of us live in rural areas or in and around nature. Most of us have experienced damage from one or more of these events:
Upstate New York’s heavy snow and ice storms
Hailstorms
Damage from falling trees
Deer and wildlife collisions
While collision coverage is an optional addition to your auto insurance policy, it is often required by lenders or leasing companies if you are financing or leasing your vehicle.
Filing a Claim in New York
When you file a claim under comprehensive coverage, the process typically involves the following steps:
1. Damage Assessment: Report the incident to your insurance company as soon as possible and provide evidence of the damage. Take clear photos of the damage and gather any relevant documentation, such as police reports.
2. Deductible Payment: You pay the deductible, which is the portion of the repair or replacement cost that you are responsible for. Deductibles typically range from $250 to $1,000.
3. Claim Settlement: The insurer evaluates the claim and compensates you for the remaining cost of repairs or replacement, up to the policy’s limit. It’s important to stay in contact with your insurer to ensure timely processing of your claim.
Conclusion
Giving you peace-of-mind and adequate auto insurance is important to us. If you want to safeguard your vehicle against theft, vandalism, and weather-related damages, contact us via email or call Mitchell-Joseph Insurance today at (585) 624-2180.