Not all vehicle damage is the result of a collision. Sometimes vehicles sustain damage from vandalism, fire or falling objects—non-crash damage. Comprehensive auto coverage can help you pay to repair or replace your vehicle if it sustains this type of damage. This coverage may also pay for damage caused by hitting an animal such as a deer. Comprehensive coverage can be a valuable layer of protection that drivers should consider adding to their auto insurance.
What Does Comprehensive Insurance Cover?
What exactly will be covered under your comprehensive policy varies. It’s important to work with a trusted advisor at Hardy Insurance Agency, Inc. to discuss what may or may not be covered under a comprehensive auto policy.
Comprehensive insurance generally protects your vehicle and pays for costly repairs and replacement costs that may result from various incidents, including:
Please note that this list is not exhaustive and may not capture everything that is or is not covered under a comprehensive policy.
Typically, comprehensive coverage doesn’t include:
Collision damage to your vehicle or another person’s car
Lost income for you or your passengers if unable to work after an accident
Property stolen from your car
Although comprehensive coverage is optional in most states, you may be required to carry it if you lease or finance your vehicle. Be sure to discuss your insurance needs with a Hardy Insurance Agency agent to ensure that you have the coverage you need.
How Much Comprehensive Coverage Do I Need?
Our agents at Hardy Insurance Agency can help you obtain the necessary comprehensive auto insurance. Your driving history and the type and age of your vehicle can affect your insurance rates. Don’t wait until it’s too late to get the right insurance.
How Can I Learn More?
To learn more about comprehensive auto insurance, contact our team of experts at Hardy Insurance Agency. Call us today at 703-503-3100 or 703-820-3100. Since 1939, we’ve been insuring customers in Fairfax and throughout Northern Virginia.