Desmond Insurance Blog
Most states expect you to have auto insurance. In states that require it, you typically need to buy the lowest amount of specific parts of auto insurance policies, like liability insurance. It's optional to buy the comprehensive and collision coverage components of auto insurance, which are the two insurance types you will use for vehicle repairs.
Collision Coverage and Repairs
Collision insurance provides coverage for car damages due to accidents, regardless of who was to blame. For instance, if you failed to keep a grip on your vehicle while tinkering with the stereo and hit a power post, collision insurance would cover the mishap. It would likewise cover your vehicle repairs in case you're the driver-to-blame in a car collision that causes damage to your car. In contrast, your liability insurance would cover harm to the next driver's vehicle.
Comprehensive Coverage and Repairs
Comprehensive insurance provides coverage not related to car crashes, like harm from falling items (like a tree limb), vandalism, certain natural disasters, and fire.
Some different hazards comprehensive coverage covers include:
Essentially, comprehensive coverage shields you from damage that happens when you're not driving your vehicle. So, if somebody scratches your vehicle, your comprehensive insurance will provide for the repairs required. Or say that hail cracks your windshield; the same insurance policy will also provide coverage for the repairs.
What is Mechanical Breakdown Insurance?
Some insurance agencies offer MBI to compensate for standard repairs. The state does not require it, and it's usually not included in normal auto insurance policies. Furthermore, older vehicles may not be qualified for inclusion under MBI; the couple of insurance agencies that offer MBI, also called auto repair insurance, only provide coverage to new vehicles and those under a specific mileage sum.
Auto insurance doesn't cover standard repairs. However, it does provide coverage for repairs you need to make due to bad weather, vandalism, or accidents. In case you're stressed over how you'd have to manage the cost of those repair types, try to consider adding comprehensive and collision insurance to your car insurance policy.
At Desmond Insurance, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (859) 491-5100 or Click Here to request a free quote.