Accidents happen. Unfortunately, sometimes car damage is completely unavoidable, no matter how careful of a car owner you may be. In fact, many instances of car damage happen when there has been no collision whatsoever. Window damage from a non-collision accident is a common reason for an insurance claim and can be easily fixed under your policy if you have the proper coverage.

The Importance of Comprehensive Coverage

In the United States, every driver must be insured with at least a minimum amount of car insurance coverage to legally operate a vehicle. Each state sets its own minimums, but typically a driver must have bodily injury liability coverage and property damage liability coverage. These types of insurance protect a motorist from liability if s/he is involved in a collision and is found to be at fault for the accident. While having the minimum coverage is crucial, there are other forms of insurance that are not required but are also important to protecting your vehicle.

Comprehensive coverage is a unique type of car insurance that insures your vehicle against damage caused in non-collision situations. The range of scenarios covered under comprehensive insurance is quite broad, including everything from rare storm damage to vandalism. Some of the most common sources of damage that lead to a comprehensive coverage insurance claim include:

- Storms (e.g., hail, lightning)
- Natural Disasters (e.g., floods, landslides, earthquakes, avalanches)
- Falling Objects (e.g., tree branches, overhangs, golf balls)
- Hitting an animal while driving
- Vandalism (e.g., graffiti, broken car window)
- Theft

Replacing a damaged car window or windshield can be costly. Fortunately, comprehensive coverage exists to protect you against these kinds of costly repairs. If your vehicle’s window or windshield has been damaged or broken in a non-collision incident, you may be eligible to receive payment for the repair costs or loss figure under your comprehensive coverage policy.

For More Information

To learn more about how you can protect your vehicle against costly damage with comprehensive coverage, please visit the website of the helpful Chicago car insurance specialists of Insure on the Spot today.