Do you know that over 4.7 million car accidents were reported in the US in 2020-21? These unfortunate incidents caused severe damages and injuries, resulting in substantial financial losses. That’s why getting your car insured with comprehensive auto insurance coverage is crucial. If you’re a car owner in Springfield, Massachusetts, we can help you understand and find the best car insurance deals that fit your needs.
In this blog, we’ll discuss the importance of comprehensive auto insurance coverage and why it’s essential to get your car insured.
1. Safeguards Your Car from Non-Collision Damages
Comprehensive auto insurance coverage protects your car from damages that are not caused by a collision with another car. If your car is damaged due to natural disasters like floods, hailstorms, or hurricanes, or if it’s stolen or vandalized, your comprehensive auto insurance policy will cover the repair costs or replace your car if it’s a total loss.
The National Highway Traffic Safety Administration reports a 9.2% increase in car thefts in 2020-21 compared to the previous year of 2019. This means that car owners need to be extra cautious and protect their cars from theft. Getting comprehensive auto insurance coverage is an effective way to do that.
2. Covers Medical Expenses
Comprehensive auto insurance coverage not only covers damages to your car but also covers medical expenses if you or your passengers are injured in an accident. This includes hospital bills, doctor fees, and other medical expenses that may arise due to the accident.
The Centers for Disease Control and Prevention (CDC) reports that car accidents in the US cause numerous fatalities, with over 36,000 people losing their lives in 2022. If you or your passengers are injured in a car accident, you may face substantial medical expenses. Comprehensive auto insurance coverage can help you cover those expenses and provide financial support during a difficult time.
3. Provides Peace of Mind
Car accidents can be stressful and overwhelming, both emotionally and financially. If you have comprehensive auto insurance coverage, you don’t have to worry about the financial burden of repairing or replacing your car. This can provide peace of mind and allow you to focus on recovering from the accident.
4. It’s Affordable
Contrary to popular belief, comprehensive auto insurance coverage is affordable. The cost of the insurance policy varies depending on several factors, such as the age and make of your car, your driving history, and your location.
However, in most cases, the cost of comprehensive auto insurance coverage is reasonable, and it’s worth the investment considering the benefits it provides.
5. Protection against Natural Disasters
Massachusetts is prone to natural disasters such as floods, hurricanes, and tornadoes. If your car is damaged due to any of these natural disasters, your comprehensive auto insurance policy will cover the repair costs or replace your car if it’s a total loss.
6. Protection against Theft
Car theft is a common crime in Massachusetts. In 2020, over 13,000 cars were stolen in the state. If your car is stolen, comprehensive auto insurance coverage will provide financial protection, and you can get your car replaced or receive compensation for the damages.
7. Meeting Lender Requirements
If you’ve financed your car with a loan or lease, your lender may require you to have comprehensive auto insurance coverage. Lenders want to protect their investment in case of any damages or total loss. Therefore, it’s essential to have comprehensive auto insurance coverage if you’ve financed your car with a loan or lease.
8. Protection for Your Passengers
Comprehensive auto insurance coverage can also provide coverage for your passengers if they are injured in an accident.
This includes medical expenses, lost wages, and other damages that they may suffer due to the accident. This protection can be particularly important if you frequently have passengers in your car, such as family members, friends, or coworkers.
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Protection for Your Personal Property
If you keep valuables in your car, such as electronics or other valuable items, comprehensive auto insurance coverage can provide coverage for these items if they are stolen or damaged in a covered incident. This can provide peace of mind and help you avoid costly replacements or repairs.
Protection against Uninsured or Underinsured Drivers
Despite state laws requiring drivers to have insurance, some drivers may still choose to drive without insurance or with insufficient coverage. If you’re involved in an accident with an uninsured or underinsured driver, comprehensive auto insurance coverage can provide financial protection for damages and injuries that you may suffer.
Contact Western Mass Auto Insurance to benefit from the most affordable and comprehensive auto insurance policies in Springfield, MA. The company also offers cyber, life, apartment, and commercial insurance services at competitive rates.