Understanding Comprehensive Coverage on Your Auto Insurance

You already know that you have to have liability insurance to stay legal on the road here in Federal Way, WA. But did you know that there’s an optional first-party coverage that helps protect your vehicle from natural disasters, theft, and fire? Keep reading to learn more about comprehensive insurance coverage from our Hart Insurance team.

What is Comprehensive Insurance?

Comprehensive insurance is first-party coverage that pays to fix your vehicle in the event of a natural disaster, such as a storm, hail, or even a falling tree. It covers incidents involving animals, such as a bear causing damage or hitting a deer. And the coverage also covers some other situations that aren’t caused by nature, such as theft, fire, and vandalism.

You are usually subject to a deductible, which you select at the time you purchase your policy. Most people stick within the $500 or $1,000 range, but this really comes down to personal preference. Your deductible is paid directly to the repair facility after damages are fixed.

Is Comprehensive Insurance Mandatory? Do I Have to Have It?

A lot of people wonder if this is a mandatory type of insurance. The answer to this is both yes and no. Comprehensive coverage is not legally required to carry, but your finance company likely has it written within your purchase contract that you must have it. Thus, if you’re still making payments on your car, you’ll want to make sure you have comprehensive coverage and collision coverage to protect the investment.

Are you looking for an auto insurance quote in Federal Way, WA? Please contact our Hart Insurance team today to schedule a no-obligation coverage review appointment.