How much Comprehensive and Collision should I have?? (Part 4)

Comprehensive and Collison

Comprehensive and Collision: Collision coverage pays for damage to your vehicle, after the deductible that you choose, when the accident is your fault or the other driver is uninsured.

Comprehensive protects your vehicle in situations like broken windshields, fire, theft of the vehicle, falling objects, riots, storms, collision with a bird or animal, earthquake or floods.

Again, this payment is after the deductible that you choose. In most cases the deductible is $500, $750, or $1,000 but there are other deductibles available.

The higher the deductible you choose, the lower your premium. You should choose a deductible that you would be able to pay if an accident or comprehensive claim happens.

Collision Plus/Loss of Use: This coverage helps you with expenses you incurred after an accident due to a collision or comprehensive loss.

It is usually expressed as $30 or $50 per day and is paid for the number of days your vehicle is in the shop.

It can be used to rent a car or to offset your deductible.

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Don’t forget!

If you live in Clark County, NV or vicinity, why not start 2010 off right by checking your numbers. Are you paying too much?  Mike finds that most of the numbers he checks for people are too high!

It’s never too late or too early to switch and you don’t have to drive to Overton, Mike makes ‘house calls’.  Individuals, businesses, all are welcome!
Call Mike today: 397-6622 OR 497-2350

Or Email him here:    mqualheim@farmersagent.com

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Tags: auto, collision, Comprehensive, Insurance, protection

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