subject: Not All Comprehensive Car Insurance Policies Are Comprehensive [print this page] Not All Comprehensive Car Insurance Policies Are Comprehensive
Given the condition that our roads are in, the traffic volume on the streets and the many reckless drivers and dilapidated vehicles on our roads nowadays, it comes as no surprise that accidents are everyday occurrences in our cities and towns. You simply have to tune into the traffic update on the local radio station to hear about the latest 15 car pile-up on the highway, or the truck that was unable to stop and created a car sandwich with a couple of cars and a pedestrian.
On that basis, car insurance is no longer a nice-to-have or an optional extra. You'll be able to live without that fancy sunroof or the expensive car subwoofer, but driving without insurance. that's nothing short of foolish!
Car insurance can be categorized into three main categories: Third party insurance, third party insurance with fire and theft cover and comprehensive insurance. 3rd party insurance is the most cost effective option and comprehensive insurance policies are the most detailed, and so the priciest option.
It is very important practice a level of caution before committing to a comprehensive car insurance policy with the first business that offers you this insurance policy. Even though the term "comprehensive" creates the idea that you can be fully covered for absolutely everything, there are still exceptions to the rule.
Some vehicle insurance firms will include roadside assistance as part of their comprehensive car insurance policy. If your vehicle lets you down and you are stuck in the heart of nowhere, you can just contact the insurance company and help will be on the way. Your policy will then also cover the fee associated with the assistance.
Other motor insurance companies include medical insurance as part of their top of the range package. You will then be able to claim for any injury sustained and medical procedures required following an accident.
Before committing to a comprehensive car insurance policy, do your homework and make sure that the policy will in fact cover you for everything you're anticipating. If a certain aspect is not covered as part of your specific policy, this can often be purchased as an add-on to your policy at an easily affordable cost.
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