In the event your car is stolen, knowing you took the time to explore your insurance coverage options is a good feeling. Drivers should make sure they are aware of the steps to take after their vehicle is stolen. Being a victim of car theft is an unsettling experience and having the support of your insurance company is always best for getting through it more easily.
Calling the police and filing a stolen car report is essential for you to file a claim against your policy. Filing a police report also allows you to be free of damages a thief may cause with your vehicle as well. The number of thefts occurring today are increasing. Making sure you learn more about the coverage you would need in this situation is important.
A comprehensive addition to your policy would cover the theft of your car. However, even those drivers without this coverage should contact their insurance company about theft. This is also how you make sure you will not be responsible for damages done by the thief driving your vehicle.
You can choose the kind of car insurance you want. There are three levels of cover for your car insurance, i.e., comprehensive insurance cover, third party fire & theft car insurance and third part insurance. All the three covers would secure your car against fire, theft, attempt of theft, vandalism and road accidents. The benefits provided with the car insurance may vary from company to company. You are advised to check the insurance quotations of different insurance companies before opting for any insurance plan.
The car insurance companies provide various useful services to its customers. Some companies provide lifetime guarantee on all paint and bodywork repairs. Some provide free courtesy car while your car is being repaired by one of their recommended repairers. Also, most of the companies provide 24 hours claims helpline. You can ask any question regarding your car insurance at any time.
Apart from traditional insurance benefits some of the car insurance companies provide some additional services also. Like, some companies provide immediate authorization of repairs. Some also cover for personal belongings or clothing. So, if any accident your costly mobile phone is lost then you can claim for it also. Sometimes you get cover for medical expenses also. Also, some companies provide cover for in-car audio. Still, some companies offer free helplines for medical advice, legal advice and post-accident counseling.
While you may try to reduce your premiums by dropping comprehensive coverage, consider the scenario of car theft. Being reimbursed for a new car or at least a great portion of it can be necessary to maintain your current lifestyle. Talk to an agent about the benefits for you by adding comprehensive to your policy.
If you are considering adding comprehensive and collision coverage to your policy, go online for a free insurance quote. In this way, you can see the savings compared to the expensive losses you would experience if your car is stolen. Always remember the peace of mind that comes with knowing you are covered is great.