Why You Should Consider Comprehensive Pennsylvania Car Insurance Coverage

Do you know if your Pennsylvania car insurance policy covers damage due to vandalism? Many people are so focused on ensuring their car is protected with collision coverage they may be unsure if their insurance covers damage from other causes such as vandalism. Other people leave a potential vandalism claim unreported because they don’t realize their insurance coverage extends to vandalism.

Comprehensive insurance coverage usually covers damage to your vehicle due to acts by vandals. Slashed tires, smashed windows and damage from objects thrown at your car are some of the things typically covered by comprehensive auto insurance. This type of coverage is optional and usually requires a deductible to be paid on each claim. When the damage is minimal the cost of repair may be less than the deductible, therefore the policy holder should pay for the repair without making a claim against his or her insurance.

For larger vandalism related claims comprehensive auto insurance coverage may pay for the necessary vehicle repairs. In vandalism circumstances where the car is unable to be repaired, comprehensive insurance may either pay the policy holder the value of the car or send the payment to the lien holder. This allows the policy holder to purchase a new car or make a down payment on one.

When it comes to protecting your car against damage that may not be your fault, consider upgrading your standard Pennsylvania car insurance to comprehensive car insurance coverage. Depending on the vandalism statistics in the area you live in, buying comprehensive coverage may even help you save money.

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