subject: Weather Damage and Car Insurance [print this page] Weather Damage and Car Insurance
If you have ever took time to see about the damage done by weather as hurricanes, then you will agree that weather damage is really and that it has to be included in your car policy. With the insurance companies raising the rates for weather damage insurance especially in the area where it will likely affect, the question becomes if you really have to insure or you should not insure your car. Weather damage insurance, normally it comes in comprehensive insurance policy. You are the one to decide if you need to pay for it or not. However if you have taken a loan against your car, then the bank or any other lender will require you to take a comprehensive insurance coverage. If you have to make the decision without anyone's influence, then you should think first about the value of your vehicle. Can you be able to buy another one in case it has been damaged? If you cannot then take the comprehensive policy. You have also to consider where you live, if you live in the area where the weather change is likely to take place, and then you have to pay for the policy. However if you live far away from those area, you can think twice. If there is no other option than to take out comprehensive car insurance that includes weather damage, then you have at least to look around to see if you can get the coverage while paying low rates. The best way to compare the rates is by using Internet, because you are able to view all the websites and their quotes without moving from your seat.
Besides weather damage coverage, here are some other insurance types that you may consider to include in your policy. Liability coverage is meant to cover you in case it is found out that you are responsible for the accident. The liability will pay for the damage made to other people property and the injuries people sustained. In some country you do not have a choice over this policy since it is legally a must, but what you can control is how much you pay for it. Collision coverage will pay for the repair of the car if it gets involved in the accident but it is optional.
If you have a liability and collision coverage, then your car is damaged by weather, fire or if it is stolen, this means that you cannot be paid back the car. In this case, the best option is to pay for comprehensive insurance that covers for many different accidents that may happen to your car. Uninsured motorist coverage is for the accident that you get involved into but the other driver do not have enough insurance to repair the damage, or do not have the insurance at all. If you have no fault insurance cover, in case of the accident you will not be required to prove who was in the fault or not, since you will be paid even if you were the one to cause accident.
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