Comprehensive Coverage in Durham, NC, and Raleigh, NC
Security On and Off the Road.
Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from All About Insurance, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.
At All About Insurance, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:
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Theft or Larceny
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Vandalism and Glass Breakage
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Fire Damage
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Hail, Water, or Flood Damage
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Hitting a Deer or Other Animal
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Damage from Falling or Flying Objects
Other Non-Collision Related Services
In addition to Comprehensive, All About Insurance also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.
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Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
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Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.
Common Comprehensive Insurance Questions:
Comprehensive auto insurance will cover damage to your car when it comes from a hazard that is not related to a wreck. Policies might cover the costs of damage resulting from:
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Vehicle fires
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Falling objects
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Severe weather
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Flooding
So, if a tree falls on your car during a storm, then this coverage can pay for the costs to repair or replace the vehicle. You won’t face significant financial challenges to afford the costs of your recovery.
Comprehensive auto insurance will not pay for every type of cost arising from wrecks or other mishaps. The policy will only pay for your own vehicle damage, and it will only compensate you for damage that comes from a hazard other than a wreck. It is just one of many types of coverage that your car insurance should contain. Alongside comprehensive coverage, you will likely want to buy liability insurance, collision insurance, medical payments coverage and other perks.
If you can’t afford the repair costs of vehicle damage, then you are setting yourself up for a situation where you can’t get around safely or easily. By having comprehensive insurance, you can ensure that you can have your vehicle repaired without a significant personal loss. You’ll save yourself a lot of time, money and inconvenience by having this resource available.
If you choose to finance your car when you buy it, then your bank might require you to buy comprehensive coverage. You should therefore buy coverage in line with their requirements. However, even if you don’t have to carry coverage, you can still benefit from it.
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When you need to repair vehicle damage, most comprehensive policies will pay you for the cost of your damage minus the cost of the policy deductible. Therefore, you’ll lessen your own cost burden for repairs. Damage costs that are less than the cost of your deductibles will not have coverage, however.
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If damage totals your car, then most comprehensive policies will settle with you based on the car’s actual cash value (ACV). This is the depreciated value of a car at the time damage occurs. An ACV settlement might not equal the full price of a new car or an outstanding loan. However, some policies will pay the car’s replacement cost value.
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Vehicle owners who have a car loan might also benefit from gap insurance. The gap insurance will help you pay off the value of a car loan when damage totals the car. It will pay the difference between a cash value settlement and the remaining car loan.
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