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Comprehensive Coverage & Comprehensive Deductible
What Is Comprehensive Insurance?
Filing a Comprehensive Claim for Vandalism
Comprehensive Coverage Deductibles and the Value of Your Car
Know Your Deductible
Comprehensive Coverage and Animal Damage
Hitting an Animal: Comprehensive vs. Collision
What Is a Diminishing Deductible?
What Are Custom Coverage Options?
Filing Frequent Claims
1. What Is Comprehensive Insurance?
Some people worry that making a comprehensive insurance claim will affect the cost of affordable car insurance, but a comprehensive claim doesn't reflect on your driving ability or your record as a safe driver. You don't need to be worried that you'll get higher insurance premium rates as a result of filing a claim. Top
Don't call the insurance company until you have filed a police report; you'll need the report number as part of the claim process. Be sure to review your existing comprehensive deductible options and know how much you might have to pay to cover the deductible. It's also good to review your policy -- double check any custom coverage options you may have added. It's easy to change your deductibles, file policy away and forget about it. Insurance claim procedures require you to get an estimate for the repairs, and if you haven't already reviewed your policy you can always double check with your insurer while you wait. Top
3. Comprehensive Coverage Deductibles and the Value of Your Car
You may consider dropping comprehensive if the answer is yes, but it's important to weigh the cost of the repairs and your ability to pay. Without comprehensive insurance options you can get more affordable car insurance. Are you able to pay the full cost for repairs from a fire, flood or vandalism out of pocket? The answer will tell you a lot about whether you should keep your comprehensive insurance options. Raising your deductible might be a good compromise that can keep you protected while helping to lower your rates. Top
4. Know Your Deductible
If you don't specify the exact amount, the deductible assigned to you could be higher than you can afford to pay out of pocket. A 2003 proposal in the New Jersey state legislature recommended setting an auto insurance deductible at $700 if not otherwise specified by the customer. Can you afford that amount? Always double-check a new or revised policy before signing to know your exact coverage and deductible amounts. Top
5. Comprehensive Coverage and Animal Damage
Carefully examine your comprehensive deductible options if you drive in an area populated by deer or other animals. You can keep yourself out of many accidents by using safe driving and defensive driving techniques, but there's nothing you can do to stop a deer from running in front of your car. A lower deductible on your comprehensive insurance in this case may be worth the added expense. Top
6. Hitting an Animal: Comprehensive vs. Collision
7. What Is a Diminishing Deductible?
Coverages vary from company to company, and your comprehensive auto policy may feature the diminishing deductible as an option, or the company may have added this feature since you paid your last premium rates for the coverage period. If you don't have a diminishing deductible now, call your customer service rep and inquire if this option is available or is coming soon. Top
8. What Are Custom Coverage Options?
The second type of custom coverage options refers to insurance which is specifically designed by the user and the insurer to best suit your needs. Some insurance companies allow you to fully customize an insurance policy for a specific vehicle. Depending on your insurance company, your comprehensive deductible option for example can be raised, lowered, altered to only apply under certain conditions, or even deleted to suit your particular needs. This type of protection is an excellent choice for those who drive expensive and/or highly customized vehicles or classic cars and need additional protection because of the unique nature of their vehicles. Top
9. Filing Frequent Claims
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