Not All Comprehensive Car Insurance Policies Are Comprehensive

Article by Veronique Jackdaw

Given the condition that our roadways are in, the traffic volume on the freeways and the many reckless drivers and dilapidated vehicles on our roads these days, it comes as no real shock that accidents are everyday occurrences in our cities and towns. You only have to tune into the traffic update on the local radio station to hear about the latest 12 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.

For that reason, vehicle insurance is no longer a nice-to-have or an optional extra. It is possible to live without that fancy sunroof or the expensive car sound system, but driving without insurance. that’s nothing short of foolish!

Motor insurance may be categorized into 3 main categories: 3rd party insurance, 3rd party insurance with fire and theft cover and comprehensive insurance. 3rd party insurance is the most affordable option and comprehensive insurance policies are the most detailed, and so the most expensive option.

It is important to practice a level of caution before investing in a comprehensive car insurance policy with the first company that offers you this insurance plan. Even though the term “comprehensive” creates the concept that you can be fully covered for absolutely everything, there are still exceptions to the rule.

Some insurance companies will include roadside assistance included in their comprehensive car insurance policy. If your vehicle lets you down and you are stuck in the heart of nowhere, just contact the insurance company and help will be on the way. Your policy will then also cover the charge associated with the assistance.

Other motor insurance firms include medical care insurance as part of their top of the range package. You will then be able to claim for any injuries sustained and medical procedures required following an accident.

Before committing to a comprehensive car insurance policy, research your options and make sure that the policy will in fact cover you for everything you’re expecting. 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 a reasonable cost.

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