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Filing A Sports Car Insurance Claim For Interior Upgrades In Singapore – Comprehensive insurance coverage is defined as optional coverage that protects against damage to your vehicle caused by non-collision events that are beyond your control. This includes theft, vandalism, glass and windshield damage, fire, accidents with animals, weather, or other acts of nature. Although often referred to as “comprehensive insurance,” comprehensive coverage refers to an existing policy, not a separate type of insurance. Be aware that the lender may require you to carry more when you finance or lease a vehicle.
Comprehensive insurance coverage protects your vehicle against unforeseen damage that is not caused by a vehicle collision. Such events can be:
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Watch our quick guide to learn more about comprehensive coverage, including how it works and when you might need it:
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Comprehensive coverage Comprehensive insurance AKA protects your vehicle from damage caused by unforeseen events such as theft, fire, and extreme weather.
You can add this optional coverage to almost any type of vehicle insurance such as auto, motorcycle, boat, and more.
Otherwise, it mostly comes down to the value of your car, your personal preferences, and your financial circumstances.
For example, if your car has a high cash value or you can’t afford to repair or replace your vehicle out of pocket, comprehensive coverage may be a smart move.
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Comprehensive coverage is often confused with collision coverage. While both protect your vehicle, if you are involved in a collision, collision coverage is there while comprehensive for non-collision events that are out of your control.
Having comprehensive coverage is a great way to know you’re covered—no matter what unexpected events happen to you.
Comprehensive insurance works the same for all types of vehicles. Learn more about comprehensive coverage for the most popular types of auto insurance:
You can also purchase comprehensive coverage for ATV insurance, golf cart insurance, snowmobile insurance, and other types of vehicles.
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Comprehensive coverage isn’t required by law in any states, but it’s usually required by lenders if you’re leasing or financing your vehicle. If you own your vehicle outright, you can decide if comprehensive coverage is worth it.
If you are not required to get comprehensive coverage through your leasing or finance company, the question of whether you need comprehensive insurance will come down to the value of your car, your personal preferences, and your financial circumstances.
If your vehicle’s cash value is relatively low and you have a higher deductible, for example, it may not be worth carrying comprehensive coverage. On the other hand, it may be worth it if your vehicle has a higher cash value, or you can’t pay for the cost of repairing or replacing your vehicle out of pocket. If you prefer to be covered against the unexpected, then comprehensive insurance can help give you peace of mind behind the wheel.
Comprehensive insurance is defined as coverage for non-related damage to your vehicle, which is why it’s sometimes called “non-collision.” “Full coverage,” on the other hand, is a vague term that is often used to include both comprehensive and comprehensive coverage, plus any other coverage your state mandates. Liability coverage is required in most states, for example, while comprehensive is optional.
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Comprehensive coverage and collision coverage both insure your car, but they cover different incidents. Comprehensive insurance coverage pays for damage caused by events beyond your control, such as theft, vandalism, animal strikes, glass breakage, fire and weather events (eg, hurricanes).
Collision coverage protects against damage to your car from hitting another vehicle or object, regardless of fault. Learn more about comprehensive collision coverage. Sometimes it’s hard to find value in car insurance. It’s the kind of expense you hope you’ll never incur, but when you’re in an accident or your car is damaged, your policy can protect you from paying for expensive repairs.
It is important to understand that not all auto insurance policies are the same and coverage will vary from state to state. But there are nine surprising coverages you probably don’t know are standard on your auto insurance policy, and a few that aren’t. If you have any concerns about insurance coverage, be sure to visit the Credible multi-lender website to see all of your car insurance options.
Most people never read the small print on their car insurance policy. If they did, they might be surprised to learn some unexpected events are being covered.
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It is important to compare several auto insurance companies, as well as their coverages, before you sign up for a policy. The Credible auto insurance marketplace can help with this process.
To get the best car insurance rate, you’ll want to shop around and compare quotes from multiple providers on Credible. Don’t be surprised by an incident that your insurance doesn’t cover.
Most car insurance goes a long way to cover many unexpected events. But there are some things your insurance may not cover.
Individual states mandate different types of auto insurance. Additionally, there are several other options, such as gap insurance, that many companies also provide.
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Make sure you’re connected and explore the quotes to find the right auto insurance plan that fits your needs on Credible. Although, car insurance covers many things, it is better not to think that it covers every situation. To make it easier, we’ve put together some common situations when you’re not covered by a standard auto insurance policy.
1. Normal wear and tear: Generally, auto insurance does not cover normal wear and tear. This can include things like brake replacement, engine repair, or windshield wiper replacement. In addition, minor wear and tear issues such as scratches, scuffs, chipping paint, etc. will also not be covered under your auto insurance policy. These will be paid out of pocket.
2. Unlawful acts: Most insurance policies include coverage if the loss occurs during an unlawful act. This means you could be denied auto coverage for a loss that occurs during things like transporting illegal drugs or committing some other type of crime.
3. Racing sports: Doing stunts in your vehicle or participating in high speed racing sports is dangerous. For this reason, most auto insurance companies include coverage for damage to your vehicle while driving on a race track or participating in stunt driving events.
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4. Drivers who should not drive: Drivers who do not have a driving license should not drive your car. Also, drivers on your policy who are listed as reserved should not be allowed to drive. If they do and they are in an accident and/or damage your vehicle, you may be denied coverage.
Remember, it is your responsibility to provide your insurance company with a list of family members who may be driving your car, as well as to ensure that the drivers are properly licensed.
5. Intentional Damage: It may sound strange but if you intentionally damage your vehicle, you may be denied coverage under your auto insurance policy. In some cases, applying for damages can be considered fraud.
6. Acts of terrorism/war: Many insurance policies do not cover acts of war or terrorism. If you have any concerns about coverage, be sure to talk to your insurance company.
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7. Use of your vehicle for business purposes: A personal auto policy is not intended for business use. Therefore, any accident or damage caused by loss while using your vehicle for business use may be denied. This can work as a RideShare delivery person or driver.
If you use your vehicle for business use, we can help you get a commercial policy designed for business use. We’ll help you get the coverage you need at a great price.
8. Personal items stolen from your car: Most auto insurance policies will not pay for personal items stolen from your car or if you have personal items inside your car when it is stolen.
However, personal property is usually covered under a renters insurance policy or a homeowner’s insurance policy, up to your policy limit. If you are not sure if you have coverage, contact your insurance company.
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9. Special circumstances. Auto insurance related damages come in all types, sizes and situations. That’s why many auto insurance companies offer you additional coverage and options to give you the coverage you need. This can include
Please note: The information presented on this page is intended to be general insurance information and is not specific to Liberty Mutual policies. Policies and coverage vary by state and insurance. Contact your insurance company to understand the specifics about your policy and coverage.
Coverage is provided upon acceptance of Optional Transfer Transfer. Daily limits of selected rental car coverage will apply. The damage must be a hidden loss. May vary by state.
Coverage is provided upon optional endorsement of Towing & Labor Coverage. May vary by state. Applies to mechanical failure and obstruction only, and may be subject to limitations.
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Optional coverage is available on Original Parts Replacement Approval. Comprehensive and Collision Required. Glass not included. Eligibility rules and restrictions apply. May vary by state. Having your car stolen can be a terrifying experience, and worrying about whether your car insurance will cover the theft can add stress to a trying time.
If you have comprehensive car insurance as part of your policy, it will likely cover theft. You need to check the terms and conditions of your policy
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