Being involved in a motor vehicle accident can be frightening for many people, especially if there are injuries involved. However, if you have the right type of insurance, then an accident shouldn’t set you back financially, even if the accident is found to be your fault. With a comprehensive car insurance policy, you should be covered for anything which could happen to your car.

Property Damage Coverage

If you’re involved in an accident and found at fault for it, comprehensive insurance policies provide coverage for the damages to the other driver’s property. This would cover replacing or repairing their vehicle and replacing or repairing damage to other personal property which may have been in their car. As with most insurance carriers, a reliable Just Car comprehensive car insurance policy from Warranty and Insurance provides up to $20 million in property damage coverage.

Ensures You’re Covered

Most comprehensive car insurance policies ensure the damage to your vehicle is covered whether you’re at fault or not. If the other driver is at fault and doesn’t have insurance, then your policy will pay to have the damage to your car repaired. It will also cover replacing your vehicle if it isn’t salvageable by either paying for the car’s agreed value. With some policies, if the car’s under a year or two old, they will replace it with a brand-new car.

Covered if Stolen

If you discover your car has been stolen or if you’re car-jacked, having a comprehensive policy will mean you will be covered. In most cases, you will be covered for the value of your vehicle if it is never found. If the police can recover your car, then your policy will pay for any damages done to it or pay the value of it if the damage is too extensive and cannot be fixed.

Storm Damage Coverage

You won’t be out any money if your vehicle is damaged by storms either. A comprehensive insurance policy covers damage from floods, earthquakes, strong storms, and also fire damage. Whether small dings in your car from hailstones or your car was completely consumed by a bush fire, your insurance carrier should cover the costs of repairs or the value of your car if it is a total loss.

Coverage for Repairs

Some insurance carriers provide coverage for vehicle repairs if your car has been damaged by a storm, by accident, or by vandalism. For instance, if the windshield of your car is cracked or chipped because a rock flew up and hit it, then your comprehensive policy should cover its replacement. To cover repairs after the car’s warranty expires, you can find out what the Volvo extended warranty cost in Australia is to cover the major components of your vehicle.

Having a comprehensive insurance policy can protect you financially in case of accidents, damage from fires or storms, or if your car is stolen. You will have peace of mind knowing you will be protected financially if your car is damaged or needs to be replaced.

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