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Comprehensive Insurance - Lunova Insurance
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Find our Insurance 2023 FAQ Commercial, Business, Home, & Auto Insurance Information, Coverage, Policies, Companies, Agents, Rates, Prices, & Agents at Lunova Insurance.

Comprehensive Insurance

Comprehensive insurance is type of auto insurance that covers damage to your vehicle from causes “other than a collision”. Learn more about comprehensive insurance costs with Lunova Insurance. In this Comprehensive Insurance article, we will cover:

How can I verify if my car has comprehensive insurance?

 

Recently, there have been severe weather events in my area and I am concerned that my car might be damaged. What can I do to check if I have comprehensive coverage and ensure I am covered for weather-related events

You can check your provider’s website to find out the coverage included in your current policy. This number is on the vehicle registration card you received from DMV. This number will also be found on your insurance card when you buy insurance.

Many people keep their vehicle registration card and their insurance card in the glove box or somewhere easily accessible in their car for when they are pulled over.

Once you have this information, contact your insurance company to verify your policy coverage. You may need to speak to your insurance company to find out the specifics of your plan. Most insurance companies will cover natural disasters such as earthquakes, tornadoes or fallen branches. However, they may also list exclusions.

Jerry can help you get quotes if you need to modify your policies to increase coverage. For assistance with car insurance, you can contact our customer service team. They’ll be happy to answer all your questions and ensure that you have the coverage you want at the right price.

What’s comprehensive insurance?

Comprehensive insurance is optional coverage that covers damage to your vehicle from events other than those you control. This covers theft, vandalism and glass and windshield damage, as well as fire, accidents with animals, weather conditions, and other natural events. Comprehensive insurance is often called “comprehensive insurance”, but it refers to specific coverage under an existing policy and not to a separate type. When you finance or lease a vehicle, lenders might require that you have comprehensive coverage.

What is comprehensive insurance?

Comprehensive insurance protects your vehicle from unexpected damage not caused by a collision. These incidents could include:

What are the best times to add comprehensive coverage?

The following policies can usually be extended to include comprehensive coverage:

 

You might also be eligible to buy comprehensive coverage for ATVs and snowmobiles. Get a quote to learn more.

 

Is comprehensive insurance required?

 

While comprehensive coverage is not required by any state law, lenders may require it if you lease or finance your vehicle. Comprehensive coverage can be considered if you own the vehicle.

Is comprehensive insurance worth the cost?

 

Your leasing or financing company may not require you to have comprehensive coverage. The question of whether you need insurance depends on the car’s value, your personal preferences and your financial situation.

Comprehensive coverage may not be worth it if your vehicle’s cash values are low or you have a higher-deductible. It may be worth it if your vehicle’s cash value is higher or you can’t afford to replace or repair your vehicle. Comprehensive insurance can give you the peace of mind you need to drive safely.

 

What is the difference between comprehensive and full coverage?

 

Comprehensive insurance is defined as coverage for non-collision-related damage to your vehicle, which is why it’s sometimes called “other than collision” coverage. ” Full Coverage” is an ambiguous term that can be used to describe both collision and comprehensive coverage. plus any other coverage required by your state. Comprehensive coverage is not required in many states. Liability, however, is required.

 

What is the difference between collision and comprehensive insurance?

 

Both comprehensive coverage and collision insurance insure your vehicle, but they provide different coverages. Comprehensive insurance covers damage that is not your fault, such as theft, vandalism or hitting an animal, broken glass, fire and weather-related events (e.g. hail).

Collision coverage covers your vehicle against damage caused by hitting another vehicle or object. Learn more about comprehensive vs. collision coverage.

What’s comprehensive insurance?

Comprehensive insurance covers your vehicle in the event that it is stolen or damaged. Comprehensive coverage is sometimes called “other-than collision” and typically covers damage caused by fire, vandalism, or falling objects (like trees or hail). Comprehensive coverage is required by lenders if you finance or lease your vehicle. It’s optional coverage for car insurance policies if you own your vehicle.

Comprehensive coverage is a good option if you are looking for auto insurance, or if you are looking to update your existing policy. Find out what comprehensive insurance does, how it differs from collision coverage, and how limits are applied to the coverage.

 

What are the benefits of comprehensive insurance?

The Comprehensive policy covers damage to your vehicle that isn’t caused by a collision.

 

  1. Theft
  2. Vandalism
  3. Fire
  4. Natural disasters (like a hurricane or a tornado)
  5. Falling objects
  6. Animals cause damage to your car
  7. A civil disturbance, such as a riot that causes damage or destruction to your car.
  8. What is not covered by comprehensive insurance
  9. Car damage from collision
  10. Vehicle damage caused by collision
  11. After an accident, your (or your passengers’) medical costs
  12. Comprehensive coverage with deductibles and limits

 

You will choose a set deductible when you buy comprehensive coverage. This is the amount that you pay out-of-pocket towards a covered claim. Let’s suppose you have a $500 deductible and your car is damaged by hail during a covered claim. Your insurance would cover the $1,000 difference.

Comprehensive coverage comes with a limit. This is the maximum amount your policy will pay towards a covered claim. Comprehensive coverage limits are typically based on the actual cash value your vehicle.

Your insurance company will reimburse you for the car’s depreciated price, less your deductible, if your car is taken. To put it another way, if your car is stolen, your insurance company would reimburse you for the depreciated value of your vehicle, less your deductible.

Remember that your policy’s collision limit and deductible are not affected by the comprehensive deductible.

Selecting a comprehensive coverage and deductible

In increments of $500, $1,000, or $1,500, your insurer will offer a comprehensive deductible amount. A higher comprehensive deductible will generally mean lower premiums, which can help you save money in the long-term. You may need to pay more for covered claims. A lower comprehensive deductible will also increase the cost of coverage. You can talk to your agent about the best deductible and limit for you.

What’s the difference between comprehensive and collision insurance?

Collision coverage pays to fix your car if it is damaged by another vehicle or object like a fence. Collision coverage is generally available to drivers who are involved in an accident.

Comprehensive coverage is separate from collision. Comprehensive covers losses other than those resulting from driving the vehicle.

  1. Comprehensive insurance vs. Collision insurance
  2. Comprehensive Coverage
  3. Collision Coverage

 

What’s covered

Your vehicle may not sustain any collision damage, such as the following:

Why get comprehensive coverage?

Here are some considerations if you’re unsure whether comprehensive coverage is right for you.

Your car’s lender may require comprehensive coverage.

Your lender might require that you have collision and comprehensive coverage for your vehicle until it is fully paid off.

What is the value of your car?

Comprehensive coverage is not required if you have already paid for your vehicle. It might be worthwhile to determine the Kelley Blue Book worth of your vehicle. If your vehicle were to be stolen or damaged in an accident, would you be able pay the same amount? Optional coverages such as collision and comprehensive coverage may be an option if you don’t have the funds to spend.

What are the annual premiums to get collision and comprehensive coverage?

According to the Insurance Information Institute, multiply the cost of comprehensive and collision coverage in one year by 10. Is your car worth less that this number? Comprehensive and collision coverage may not be an option for you. These coverages might be worth discussing with your agent.

Do you have questions about comprehensive coverage? Lunova Insurance can be reached at 1-508-258-7195.

What’s not covered

 

How do I get Comprehensive Insurance Coverage

Getting “Comprehensive Insurance Coverage” for your vehicle or business vehicle, is simple & easy with Lunova Auto Insurance. Learn more about our car insurance coverage options like Compare.

 

Explore options for your policy (auto, home, or small business) with our Lunova Insurance policies.

 

Lunova Insurance “Comprehensive Insurance Coverage”

 

Lunova Insurance, an independent insurance agency, is committed to finding you the best insurance policy with coverage options for customers seeking affordable rates and quality coverage for personal and commercial lines insurance policy products and quotes (for auto, home, umbrella, flood, life, business, commercial, business/commercial auto, commercial  liability, commercial  property, commercial  umbrella, & more with Lunova Insurance agents located in Marlborough Massachusetts.

 

Lunova local agents can help you save money by shop your policy today. Learn how you can combat inflation, & save money in 2022 and 2023 with our cheap and affordable LunovaInsurance.com policy options, agents, rates & quotes with our independent agency.

 

Find better coverage near you in Massachusetts today working with a local coverage specialist for auto, home, flood, life, or small business insurance.

 

business and personal insurance policy agents at Lunova Insurance
business and personal insurance policy agents at Lunova Insurance

Learn more about finding “insurance that is comprehensive for your vehicle, home, or small businessowners policy“, with Lunova’s Trusted Choice Business, Home, & Auto Insurance agents near you in MA.

 

 

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Lunova Insurance is an independent insurance agency, committed to finding you the best insurance carrier for your individual needs. 

We help our customers by comparing policies from top providers to find them the best quote possible.

 
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