Nothing feels better than driving around in your brand new car, but the more you drive it, the more likely it is to end up getting scratched. New car scratches can be very frustrating to deal with, especially when you don’t have a comprehensive policy. If you don’t have comprehensive coverage, you are responsible for fixing them with cash out of your own pocket. Since most people want as much coverage as they can afford, it is a smart idea to consider checking out comprehensive insurance policies so that you are insured if your vehicle ends up with paint scratches.
Why you may comprehensive insurance coverage for new car scratches
Comprehensive auto insurance will benefit those who wish to have the most coverage on their vehicle; covering even the smallest paint scratch. Actually comprehensive car insurance covers almost any damage to the car besides car collisions. This includes having your car stolen, damage caused by severe weather and other non-collision type damages. Clearly the benefits of signing up for comprehensive car insurance policies are excellent.
Paying the initial customary claim plus the deductible
Some companies require a customary five hundred dollar deductable after the first car insurance claim. What this means is that if your windshield gets hit by a rock on a highway, you may have to pay a specific amount initially to get it repaired. The actual windshield might cost less than what you end up paying for your initial claim payment, but in order to make a first claim; you need to pay a deductible. The deductible amount is normally around five hundred dollars which may seem steep at first, but once you have paid up, you don’t have to go through the process again. The extra money goes towards your policy anyways, so you don’t end up paying extra for no reason.
Once the deductable is paid; you will have a certain amount of claims available for free depending on the insurance company policy. Scratches on new cars will be fixed at no cost to drivers with a comprehensive cover. Clearly if you have ever gotten your vehicle scratched, keyed, or had to deal with paint damage, you would benefit from comprehensive vehicle insurance. Having the side of your vehicle scratched can be very annoying to deal with and even more frustrating if you don’t have the right insurance to cover for the damages.
Besides paint scratches on my new car, how else is comprehensive insurance beneficial?
There are definitely other cases though when comprehensive automobile insurance is beneficial to have. For example, if your vehicle gets stolen and you don’t have comprehensive insurance, you will likely end up with zero reimbursement for the theft. On the other hand, if you happen to have a comprehensive policy, you will generally get reimbursed for roughly the full estimated value of your vehicle. Depending on your insurance company and level of coverage that you purchased, they may even pay more than what you expected.
Determining whether your car is worthy of a comprehensive policy
It is typically advised to decide if your car is worthy of a comprehensive insurance policy. Some cars are clearly old, used, beat up, and don’t need comprehensive coverage for paint scratches. However, if you want insurance for new car scratches, you know that having a fully comprehensive policy will be helpful in picking up expenses to get your vehicle fixed.
Why you should buy comprehensive insurance
Not purchasing comprehensive car insurance for an expensive car could be devastating if significant damage is done from an area other than collision. If you currently drive a new car, then you should really consider getting a comprehensive cover. It will be more than worth it if your vehicle would get stolen, catch fire, or even get a simple paint scratch. It would be wise to think it over and really decide if the car you own is worth the extra benefits provided by comprehensive coverage.
Fixing paint scratches isn’t very complicated
If you already are dealing with a paint scratch and have adequate coverage, you should bring your car to a garage prior to filing a claim so that you can get a reliable estimate for the damages. Then contact your insurance company and get things fixed up. For individuals without comprehensive coverage, realize that it can be a great addition to your policy. On the other hand, it can be a wasted expense if your vehicle isn’t worth very much. Is your car worth it or would you rather go without it?