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21st Century Comprehensive Coverage

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21 Century Insurance Guide
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21st Century Comprehensive Coverage
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21st Century Auto Insurance Tip

Common Dangers to Avoid While Driving
Unsafe Speeds - Exceeding speed limits, or driving too fast for traffic conditions. Excessive speed reduces reaction time and greatly increases impact and injuries.


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21st Century Comprehensive Coverage


A combination of liability, collision, medical payments and uninsured / underinsured motorist insurance would seem to take care of all conceivable risks. Yet none of that insurance would necessarily cover losses to your vehicle from these hazards: theft of the car or some of its contents, collision with an animal, glass breakage, falling objects, fire, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, vandalism or riots.

Comprehensive 21st Century insurance, which is optional, will cover those losses, usually up to the car's cash value and sometimes subject to a deductible.

In some areas, if you keep your car, truck or motorcycle in a garage or off-street parking area or if the vehicle has a good antitheft device -- for instance, one that prevents the vehicle from being started -- you can get a reduction in your comprehensive-coverage premium.

Comprehensive 21st Century coverage also entitles you to some compensation for renting a car if yours is stolen. Check your policy to see how much the policy would pay per day and for how long; different companies pay different amounts, subject to state requirements.

 
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