At Janis-Shunta Insurance, we strive to equip our customers in Muskegon, MI with a clear understanding of what each auto insurance policy coverage offers. While most people understand liability coverage as this is required from the moment they start driving, it’s also important to know how to protect your vehicle and yourself. When it comes to moving from basic auto insurance to carrying full coverage, we are here to help.
Comprehensive Coverage
Comprehensive coverage – an optional type of auto insurance coverage that insures the policy owner against damage to their vehicle from everything except collisions. It covers a variety of perils, including falling objects and fire. According to Forbes, most auto policies that include comprehensive coverage protect against the following perils:
- Theft
- Civil disturbance
- Animal damage
- Falling objects
- Fire
- Explosions
- Hail
- Hurricanes
- Tornadoes
- Vandalism
- Windshield and glass damage
While some policies provide more extensive coverage, this list denotes the most common perils covered by comprehensive insurance. If any of these events occur, you can file a claim with your insurance agent under comprehensive coverage, also known as comp coverage. Once your deductible is paid, the insurance company will cover the rest of the repairs to your vehicle or replace it if it’s a total loss.
Comprehensive Deductibles
Every comprehensive policy comes with a deductible, which you set in your policy. Usually, a higher deductible leads to lower premiums, while a lower deductible results in higher premiums. Let us provide you with a few quotes featuring a range of deductibles to help you make a choice that fits your budget.
Contact Janis-Shunta Insurance
Never take to the streets of Muskegon, MI, without up-to-date auto insurance. Contact Janis-Shunta Insurance today to update your auto insurance and add comprehensive coverage.