|
A combination of liability, collision, medical
payments and uninsured/underinsured motorist insurance
would seem to take care of all conceivable risks.
Yet none of that insurance would necessarily cover
losses to your vehicle from these hazards: theft
of the car or some of its contents, collision
with an animal, glass breakage, falling objects,
fire, explosion, earthquake, windstorm, hail,
water, flood, malicious mischief, vandalism or
riots.
Comprehensive insurance, which is optional, will
cover those losses, usually up to the car's cash
value and sometimes subject to a deductible.
In some areas, if you keep your car in a garage
or off-street parking area or if the car has a
good antitheft device -- for instance, one that
prevents the car from being started -- you can
get a reduction in your comprehensive-coverage
premium.
Comprehensive coverage also entitles you to some
compensation for renting a car if yours is stolen.
Check your policy to see how much the policy would
pay per day and for how long; different companies
pay different amounts, subject to state requirements.
|
