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Comprehensive Coverage

Premier Shield Insurance provides and offers affordable “Comprehensive Insurance Coverage” for your automobile insurance policy. It’s a cheap and affordable coverage you’re going to want to include if you own your vehicle outright.

So what is “Comprehensive Coverage” and what does it cover?

Coverage for comprehensive can be defined as “Insurance other than collision”. That means if you don’t hit something while driving it will typically fall under comprehensive. Even as an experienced agent I see new types of comprehensive claims that I would never think would be covered.

This coverage will help you pay to repair or replace a covered automobile’s windshield or other glass claims. If your vehicle is stolen, vandalized, or damaged by something other than an accident caused including hit-and-run and not-at-fault accidents.

Just in case you didn’t know, damage caused by vandalism, theft, fire, wind, hail, flood, falling objects, and hitting an animal is covered and falls under your “comprehensive car insurance coverage options which is much more affordable than the collision piece of the policy.

Car Insurance Comprehensive Covers the Following Situations

  1. Vehicle larceny or theft
  2. Fire or vehicle explosion
  3. Vandalism
  4. Hail
  5. Flood
  6. Windshield & Glass
  7. Missiles & Falling Objects
  8. Hitting an animal
  9. Rats or mice chewing through electrical wiring
  10. Any other comprehensive insurance-related claim type

 

Comprehensive Insurance Coverage Only

A lot of drivers looking for cheap and affordable “liability only” policies for their car often opt to include glass and comprehensive coverage since it’s the most likely claim a driver will experience.

Customers who frequently files comprehensive insurance claims will find themselves with higher prices and rising cost. There is no such thing as “FREE GLASS”. We’ve seen customers with 10 or more comprehensive claims confused as to why they’re paying a lot for their auto insurance policy and coverage.

Comprehensive-only insurance customers will often say things like, “Isn’t that what I pay for insurance for“, “but that’s why I pay for insurance”, or “it’s the insurance companies responsibility to pay for this“.

Yes, automobile and vehicle insurance is there to protect you and your vehicle in the event of an accident or financial loss however, use some personal responsibility and prudence when choosing to file a comprehensive glass or other types of comprehensive claim.

What Happens If You Have Multiple Auto Insurance Claims

Look, if this is your first claim it’s likely not a problem, especially if the amount is small. However, there are some considerations to keep in mind prior to filing a claim.

  • Will I pay more for insurance over the next 5 to 6 years if I file this claim? Insurance is there to protect you from catastrophic losses you simply can’t afford. Like if you injure or kill someone while driving. Car insurance isn’t something there for you to willy-nilly file a few claims a year. If you are that type of person, you are part of the problem and the reason insurance prices are so high in 2021 and new drivers simply can no longer afford to drive. You can either continue to pay unneeded high premiums to insurance companies or you can start changing your behavior patterns.
  • Do I have enough money to cover the cost of repairs? Most people should avoid filing a claim if it’s under $1,000. In fact, you should use part of your emergency fund in case you have a small claim to file. Just fix it yourself, you’ll save a great deal over the next 5 years and you’ll thank me later.
  • If I file another claim, can my insurance car insurance company drop me? Great question. Yes, an automobile insurance provider has the ability to drop you for many reasons. One of those is your a claim-ridden individual who is constantly losing insurers’ money. Insurance is a “for-profit industry”. They don’t work for free. If you want to achieve “low car insurance prices and rates” you need to be a responsible driver and protect your driving record and claims history, it’s that simple.

 

Frequently Asked Comprehensive Car Insurance Questions

  • Can insurance companies drop you for too many claims? Yes, it happens every day! When that happens you left dealing with car insurance “market price” quotes and rates. If you’re in a major city or population center you could be looking at paying $500 to $1,000 a year more for your car insurance if your current company is about to drop you.
  • How many car insurance claims are too many? One. One claim is too many car insurance claims. If you have 1 or more claims you are contributing to the national epidemic of “unaffordable car insurance”. Look I understand we need to file claims from time to time. Just do it responsibly. I personally had 2 glass and windshield claims in a 1 week period and I was terrified about filing the 2nd claim (which required a claims supervisor override). Thankfully my wife and I do not abuse insurance and we did not suffer a “high rate increase due to filing a claim”.
  • How much will my insurance go up after 2 claims? Drivers throughout the United States love to Google questions that have no real answers. This is one of them. Everything in insurance is “customizable” and “different” for different people. If you’re on a website that says a specific amount your insurance will go up after 2 claims, they’re lying or estimating. The truth is these companies and even your agent do not know the exact impact or pricing change you’ll see. That’s why to get the help you really need to worth an agent who will put your best interest into the decision-making process.
  • How many insurance claims are too many? Insurance companies consider 2 or more claims in a 5 year period too many. Your second claim likely will not increase your rate. Every situation is different, if you have an accident or ticket that can change your insurance tier and destroy your rate. If you want help with car insurance or you’d like to learn more about getting lower rates or if filing a claim is in your best interest, speak with one of our expert auto insurance agents by calling 1-774-847-7746 or “requesting an online quote for your auto policy”

Helpful Comprehensive Insurance Claims Additional Reading, Resources, Articles, and Help

  • “What Happens When You Have Multiple Auto Insurance Claims” – Kalfus Nachman3
  • “Should I file an Allstate Comprehensive Claims” – Allstate Insurance Company
  • “Does my price go up after filing a claim” –