So you got that new car or finally signed up to lease the car of your dreams, which also meant getting comprehensive car insurance, or did it? While you may think your “full coverage” policy has you fully covered, you may be surprised to learn this is not necessarily true. Most drivers, in fact, have little coverage above and beyond what the basic collision and liability policy includes.

If you are not sure about the insurance policy you have in place, be sure to take the time to find out if you actually have comprehensive insurance coverage for your vehicle. The worst part is if you do not have coverage for the types of incidents that comprehensive auto insurance covers, you will be held responsible for paying for these repairs on your own. It also means if the car is totaled out you will have to pay for the entire vehicle.

What It All Means

If the new car you are making payments on or leasing suffers damage, your insurance is intended to step in to cover the repair costs. In some cases a car may even be totaled out, which means the damage is so severe that it would be less expensive to replace the car than to repair it. If your insurance has gaps in it or does not include things that are generally covered by comprehensive car insurance, then your insurance company will not be paying.

The bottom line is that the insurance policy you have been paying for won’t help. The new car you financed will still have to be paid on even if the car is totaled out and you may not even have a car to drive. For these reasons, you should make sure you actually have the comprehensive auto insurance you truly need. If not, you may find yourself with more expenses than you can actually manage.

What Exactly Is Covered

You need more than collision when it comes to your automobile insurance policy. There are so many more things that can happen to a car other than a simple collision when it comes to owning and operating a vehicle. The problem is most drivers assume their insurance will handle things aside from accidents.

Here is a list of the top five things that can happen to cause damage to a car that doesn’t even involve a standard collision:

1. Fire
2. Theft
3. Storm or other natural disaster
4. Vandalism
5. “Act of God”

Don’t take chances when it comes to your coverage unless you are prepared to pay for the full price of that new car out of your own pocket, even once the car is totaled out and you are left with nothing to drive. To get the ultimate protection you need, get your free quotes today. By providing us with your zip code you can be on your way to the most affordable rates in comprehensive car insurance on the market today.