Comprehensive car insurance pays to repair or replace your vehicle if it is stolen, vandalized or damaged in some way other than in a collision. "Damaged in some other way other than in a collision" can include a variety of things. Here are 5 weird things that are usually covered by comprehensive car insurance.
Have you ever driven by a car on the freeway that is engulfed in flames on the side of the road? You probably knew fire would be covered if it happened due to an accident, but what if the fire started due to a mechanical failure? Whether that car caught on fire because it crashed or because the engine decided to catch everything on fire, comprehensive car insurance will probably cover it.
2. Missile Strike
If you are driving along and a random missile strikes your vehicle, you probably wouldn't be too worried about car insurance because you probably wouldn't survive. If a missile strikes your vehicle while it is parked, on the other hand, you'll be happy to know that your car insurance would cover the damages if you have comprehensive coverage.
3. Bear attack
There might not be many bears in your area, but you may be within a few hour car ride away. If a bear decided he didn't like the way you looked at him, a bear could do some serious damage to your car. Thankfully, comprehensive car insurance would probably have you covered.
Riots have actually happened recently in a few states, so this is a needed coverage. Civil unrest can be detrimental to businesses and, in many cases, random vehicles. Again, your comprehensive coverage would have you covered.
5. Legal Representation
If you are at-fault in an accident and there are injuries, you could be sued. Many believe that means they will be forced to procure the services of a lawyer. You obviously can do so, but legal help may be provided by your auto policy.
Comprehensive coverage is optional
Liability coverage is usually the only type of car insurance that is mandatory. Comprehensive coverage, on the other hand, is optional in most states. Although some of these weird coverages above seem pretty unlikely to occur, other things such as cracked windshields, floods, falling objects, and wind can also be covered. Check your policy and with your agent to find out what comprehensive coverage can do for you!
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