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In our last blog, we began talking about auto insurance and how an independent agent at Security Insurance Group can help find a policy that fits your needs exactly. In this week’s blog, we are going to cover the different choices you will have when choosing an auto insurance policy.

Comprehensive Covers

  • This sounds like everyone should have it. After all, it’s comprehensive, so it covers everything, right?
  • No, comprehensive coverage would be better called complementary insurance.
  • Comprehensive insurance covers damage to your car from natural disasters (Fort Collins area residents should think about hail damage or flood damage for this), civil disturbances, fire damage, vandalism, theft, and falling objects such as tree limbs.
  • Also covered by comprehensive policies are animal strikes. If you drive a lot at night out in the country, this one might have special meaning to you. It’s surprising how much damage hitting a small deer can do, let alone a larger animal as we have here in Colorado.

Comprehensive Doesn’t Cover

  • Despite being called comprehensive, this coverage doesn’t cover collisions. For that, you’ll need specific collision coverage.
  • You won’t be covered for loss of income or medical expenses from an accident from comprehensive coverage. Instead, personal injury protection is what is needed to cover these expenses.
  • Damage to someone else’s car would be covered by property damage part of a policy.
  • If you injure someone in an accident, the part of your policy that will cover that is called bodily injury liability.

To learn more about the in’s and out’s of auto insurance call to set up an appointment with one of our independent insurance agents.