Who needs to have collision and comprehensive auto coverage

It is pretty safe to say everyone should have auto insurance. On average 6 million auto accidents happen in the United States every year. With about 230 million licensed drivers, plenty of opportunities for mayhem are out there on the roads waiting to happen. Collision and comprehensive are not mandated by the state of Illinois, they are optional coverage. If you live in Evergreen Park, IL, Martin Insurance Team is a full-service independent agency that is ready to answer any of your insurance questions. 

Collision and comprehensive are types of insurance coverage you will need to carry if you are leasing a vehicle or have an auto loan. It will be required by the lessor or the lenders. It is insurance that covers your vehicle. If you have an accident where the other driver is at fault, their insurance will repair or replace your vehicle. When you are the at-fault party, the repair or replacement is on you. Collision insurance would pay for the repair or give you the value of your car minus the deductible. 

Comprehensive coverage covers your vehicle but from things over which you have no control. Many weather events can damage your vehicle. High winds can send tree limbs onto your vehicle. Heavy rains and flooding can damage your vehicle and hail can ruin your paint job and maybe even windows. Theft of the entire vehicle and vandalism are covered by comprehensive. Deer in the road are a real hazard and they can send your vehicle to the trash heap if you are not able to avoid hitting them. 

When it comes to who needs collision and comprehensive auto coverage the answer is anyone who needs their car and couldn’t easily repair or replace it out of their pocket. 

Contact Martin Insurance Team in Evergreen Park, IL with any of your insurance questions or needs.