Insuring your auto for liability coverage is required in most states, this protects other drivers from you and your vehicle. No states mandate that you protect your vehicle from damage, though lenders and leaseholders will require you carry this coverage to protect their investment. Because it is not mandated, is it a good idea not to carry comprehensive insurance? In most cases, it is not a good idea and if you live in or near Deer Park, TX why not stop by the office of Shell Insurance Agency and discuss what this policy can do for you.
Most people need to have a vehicle to get to work, to school, to do the everyday things that life requires of them. If your vehicle is damaged in an accident with another vehicle, the repair is covered either by the other party’s insurance, if they were in the wrong or by your collision insurance minus any deductible.
But what if your vehicle is damaged by something other than a collision? Something like a deer or other large animal, vandalism, fire or theft? These are the sort of unpredictable things that can happen and they are what is covered under comprehensive coverage. Another is glass damage, which is the most common claim under comprehensive coverage and often is not subject to the policy deductible.
What you have to consider is can you survive without your auto and do you have the means to replace your auto on your own. If you answered no, then you need to keep comprehensive insurance coverage on your vehicle along with your collision and liability.
If you have questions about the type and amount of coverage you need for your auto, why not give Shell Insurance Agency in Deer Park, TX a call or stop by their office. One of their agents will be happy to talk to you about the auto policy that is right for you.