Also referred to as “other than collision coverage,” which is usually mandatory when leasing a vehicle, comprehensive car insurance protects drivers from vehicle damage that is not caused by a collision. Unlike liability coverage which is required by law and designed to cover damage that you cause in an accident with another vehicle or stationary object, comprehensive car insurance is optional and covers damage from hazards that are out of your control such as:
- Theft and vandalism
- Damage from animals such as deer
- Natural disasters like earthquakes, tornadoes, and storms
- Fires and explosions
- Broken and shattered windows and windshield
- Riots
- Falling objects
If you’ve suffered from any one of these damages, contact Ohio personal injury attorney Victor Kademenos at (419) 625-7770. Attorney Kademenos will review your insurance policy, inform you of your options, and ensure an insurer is not taking advantage of you.
Is Comprehensive Car Insurance Worth It?
The cost of comprehensive collision coverage is based on your age and experience as well as your car’s value, location, and estimated annual mileage. To determine whether purchasing comprehensive car insurance make sense for you, you should figure out if you could pay for vehicle damages or a vehicle replacement in the event you experience a non-collision accident. If you determine that you do not have the financial means to pay for damages or a replacement, comprehensive car insurance may be a good investment.
Comprehensive collision coverage for an old vehicle or one in poor condition may cost you more than the vehicle is worth. However, if you have a new car or one that is expensive to repair, it can save you a substantial amount of money if your car becomes damaged. Additionally, if you often drive in areas with high crime rates, poor weather conditions, roadways in disrepair, or frequent natural disasters, comprehensive coverage may be a good option.
Filing a Comprehensive Car Insurance Claim
To file a comprehensive car insurance claim, you’ll need to follow the specific procedures outlined in your policy. In most cases, you’ll call your car insurance agent or fill out a claim form online. A police report may also be necessary, especially if your vehicle was stolen, vandalized, or subject to a fire. After the claim has been filed, a claims adjuster will evaluate your vehicle and process your claim. Finally, you will be informed whether your claim was approved or denied.
How Ohio Personal Injury Lawyers Can Help
It can be confusing and time-consuming to deal with an insurance company. Instead of handling your comprehensive car insurance claim on your own, you should contact Ohio personal injury lawyers. They will make sure that you receive the benefits you are entitled to under your comprehensive auto insurance policy. When you hire Ohio personal injury lawyers, you can also enjoy the peace of mind of knowing your rights will be protected in the event that an insurance company denies or delays your claim or acts in bad faith.
Call an Ohio Personal Injury Attorney Today
Involved in an accident that requires a comprehensive car insurance claim? If so, contact Ohio personal injury attorney Victor Kademenos as soon as possible. He will guide you through the complexity of your claim and ensure that you are being treated fairly. Call Kademenos, Wisehart, Hines, Dolyk & Wright Co. LPA at (419) 625-7770 for a free consultation.