Car insurance is required when you own and drive a car. However, the law only requires you to carry a liability policy that will cover another person’s damages if you cause an accident. While it will protect you against lawsuits in many cases, this type of policy won’t cover your injuries or repairs to your vehicle. For those types of benefits, you will need a comprehensive policy. If you decide to go with comprehensive Auto Insurance in Murrieta CA, you’ll get additional coverage options that may surprise you.
In general, your auto insurance follows your car. Therefore, if someone else is driving your vehicle and the windshield is damaged by a rock on the highway or a tree branch falls on your car, you’ll be covered. Be sure you read your policy documents to find out what is covered and excluded so you’ll know when you should file a claim. The person who borrowed your car may even be able to file a claim with their own insurance to pay your deductible.
Your Auto Insurance in Murrieta, CA may also cover injuries to pets riding in your car or damage to your car caused by animals in the roadway. Vet bills can be steep when an unrestrained pet is involved in a car accident. If you have a pet that frequently rides in your car, ask your agent if this is covered under your policy. Additionally, most comprehensive policies will cover damage to a vehicle when it’s damaged due to hitting an animal. You should be able to get your windshield replaced and any body damage repaired after such a collision and only be responsible for your deductible.
As you search for an insurance policy, think about the things that are most important to you and look for a policy that will protect them. Many companies allow prospective customers to click for more info right on the website. It is important to speak with an agent and ask questions about anything you don’t understand about your new policy so you can make the most of your car insurance coverage.
