If there’s one thing you can be certain of in life, it’s the uncertainty that life can throw your way. The unexpected can become common and the normal can seem out of place. This is one of the fundamental truths of car ownership. Everything can change for you at a moment’s notice. Therefore, comprehensive car insurance is one of the most important investments you can make. If you live in a geographical location that experiences occasional flooding or heavy rain storms, comprehensive coverage can mean the difference between a slight setback and an enormous financial loss.
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Is Comprehensive Car Insurance Mandatory?
While comprehensive insurance packages are sometimes mandatory for a car loan, they’re usually optional. A comprehensive plan might cost a little extra, but the peace of mind you’ll have is priceless. Talk to your insurance company about costs and recommendations.
Am I Covered in Case of a Flood?
Comprehensive insurance covers damage from heavy rain, hailstorms, and flooding. It should be noted that comprehensive insurance is for covering events that are outside of your control. These are sometimes called “acts of god” and refer to events caused by drastic changes in the weather or any damage that isn’t caused by a collision. Water damage from heavy rain and flooding are some examples of events that are covered by comprehensive insurance.
What Does Comprehensive Coverage NOT Cover?
While you will be covered by damages out of your control, preventable damage caused by negligence or lack of maintenance won’t be. Damage caused to the interior of your car because of a preexisting mechanical problem or water damage sustained while leaving your windows open won’t be covered. Routine maintenance on your car is important. That leak from the air conditioner will not only cause mold, but a considerable headache when you get the mechanic bill.
What Else Isn’t Covered by Comprehensive Insurance?
Just because your car is covered, doesn’t mean everything inside of it will be. Items that are installed by a third party such as stereo systems and navigational devices are not covered by excessive water damage. If you think a rainstorm is approaching, close those windows, because that stereo cost you quite a bit.
Worrying about a torrential downpour is stressful enough—buying a car and having it serviced shouldn’t be. And that’s why Island Hyundai is here to take the stress out of car ownership. Serving the Staten Island area isn’t just what we do, it’s what we’re passionate about. Visit us online at https://www.myislandhyundai.com/ for purchasing, financing, and scheduling the necessary service your car needs in an environment that’s safe and secure. Come on down and take that test drive. Life might be unexpected, and we’ll make sure you don’t get caught in the rain.
