|
|
 |
FAQ: General Auto Insurance Claims Info
Should I file a claim for damage caused by weather or natural disaster?
If disaster strikes and your car is damaged, chances are, you’ll need to file an auto insurance claim. In most cases, comprehensive coverage will help you pay for damage caused by weather or natural disasters when you file your auto insurance claim.
Comprehensive coverage helps pay for damage to your car resulting from fire, certain natural disasters, falling objects, theft, and vandalism.
When you file an auto insurance claim that involves comprehensive coverage, the maximum amount paid for repair or replacement is your car's actual cash value, minus the amount of the deductible you choose when you buy your auto insurance policy. If you have an older car or one in poor condition, you may find that comprehensive coverage is not worth the extra money. However, if you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss.
Comprehensive coverage is not mandatory in every state; however, if you live in an area where severe weather is common, it may be a wise investment. If your car is financed or leased, the finance company will probably require that you carry this coverage.
Not sure whether damage to your car will be covered? Just call our customer service center. Our helpful service specialists are available 24/7 to answer your questions and file your auto insurance claim, if necessary.
|  |