When it comes to auto insurance, there are different types of coverage options designed to allow customers to customize their policies. Most people opt for collision and liability coverage, but others choose to add comprehensive coverage, protecting them from damage to their vehicle in non-accident related incidents. At Lafever Insurance Agency in Cookeville, TN, their dedicated agents want to help you understand the different coverage options available. Below, they explain what comprehensive car insurance covers and what happens when you file a claim.

What Comprehensive Auto Insurance Covers

When your car is involved in an accident on the road, your collision coverage will kick in to help you cover the cost of repairs. However, if the vehicle is damaged by hail, theft, vandalism, or other non-collision related accidents, comprehensive coverage is necessary to help reduce out-of-pocket expenses. Without this coverage, you’ll be left to pay the full cost of repairs without any assistance from the insurance provider.

What Happens When You File a Comprehensive Claim?

If you have comprehensive auto insurance, the claims process is similar to filing a claim with collision or liability coverage. If the vehicle was damaged by a vandal or stolen from a parking area, you’ll want to file a police report immediately. If it was damaged by a weather-related event or other incident, filing a police report likely won’t be necessary. Instead, it’s recommended you call the insurance agent as soon as possible. They’ll ask for an explanation of the damage and will work to schedule an appointment with an assessor who will provide an estimate for the repairs. Once the estimate is generated, you’ll be able to take the vehicle into a shop to have the necessary work done.

While comprehensive coverage is not required, this policy helps to fully protect your vehicle. If you’re interested in getting the most out of your auto insurance, contact Lafever Insurance Agency for a free, no-obligation quote for comprehensive coverage today. Learn more about their options online, and call (931) 526-3377 to schedule a consultation today.