Will Auto Insurance Cover More Than Just My Vehicle?
You already know that your auto insurance policy pays to get your car back to pre-accident condition but what happens if a personal belonging, something not attached to your vehicle, gets damaged in the accident?
Well, if you have “Comprehensive Coverage” your car itself would be covered after you pay your deductible. “Comp” (for short) will cover things like a broken door lock, smashed windows, punctured tires, etc., those items that are part of the car.
Personal items such as a tablet, wallet, or any personal valuables are not generally covered in your auto insurance policy. Those items would be covered in your homeowners/renters policy. You would have a deductible to pay for first, and then you’d need to consider the consequences of a claim on your homeowners policy.
Does Your Auto Insurance Policy Cover Vandalism?
After you pay your deductible, Comprehensive coverage should cover the damages to your vehicle if it is vandalized. You’ll want to make sure you:
Call the police right away to report what happened
Make note and take pictures of all damages to your car
Call the claims department or your agent to file a claim. You will need to have the list of damages, pictures, and a list of any items that were stolen.
Getting Help From Nevada Insurance Enrollment
Not sure what your auto insurance policy covers? Talk to your insurance agent to review your coverage options and to discuss how you and your belongings are protected in the event of an accident.
Recent Posts
Will Auto Insurance Premium Increase If I File Claim?
Knowing when to file a claim and understanding how it could affect your monthly premium is essential in making the best decision in the event of an accident.
How Your Zip Code Can Change Your Auto Insurance Rate
When determining your rate, your auto insurance company looks at the claims history within your region. Some geographic regions have a higher volume of claims than others, even within the same city.
What is Full Coverage Auto Insurance?
Adequate auto insurance coverage is important. Not only are all Nevada licensed drivers required by law to carry coverage, but in the event of a collision, your policy is what is standing between you and financial devastation. The term “full coverage” is one that often gets tossed around by drivers, but it’s probably not a term you’ll hear from your insurance agent.