There are many different scenarios that can be considered in case of a car accident. At the end of the day, the coverage that a car owner receives solely depends on the amount of premium he or she pays and the kind of insurance coverage they sign up. Some car owners, in order to lower their premiums tend to ignore certain types of insurance coverage. On the other hand, some car owners tend to keep themselves covered in all scenarios, which is wise given that car damage repairs and medical expenses could cost a lot in some accidents.
You can opt for a comprehensive coverage to ensure that all kinds of car damage due to unforeseen forces like natural catastrophes are taken care of. You wouldn’t have to be worried for the damages in case of fire, theft, vandalism, floods, cyclones, trees or boulders falling on your car, when it was parked etc. All these are scenarios generally ignored by car owners; nevertheless they are quite possible and could lead to total damage of your car.
Apart from the collision insurance which takes care of accidental damage, you can also ensure you get value for a totalled car. Some accidents can leave your car in irreparable shape. This means that there aren’t any damage repairs. Rather your insurance coverage, if you have it will provide you with the cost of the car at the time of the damage. This will take into account, the mileage of the car, extra systems installed and the condition it was in prior to the damage. If there is a car loan, most of this money will go towards repayment of the loan.
There are various value add services offered by insurance companies too, which prove handy from time to time. In road side assistance, you will have access to a hotline, which you can call for help in case your car breaks down on the highway. Insurance companies will offer you a ride to complete your journey wherever you are headed too. There is insurance coverage to provide for the cost of towing the car to the service station, with which insurance companies have a tie-up, thus reducing your headache in such a situation. In fact coverage often takes care of your transportation too, in case it will take a few days for your car to be repaired and handed back to you.
