Comprehensive Insurance: Protect your car while everyone sleeps. Many vehicle owners only consider saving money when purchasing insurance. If insurance weren’t mandatory, they’d likely drive without it. That’s why it’s common for insurance agents to hear requests like “I want to pay as little as possible” for auto policies without considering the consequences of that decision.
When someone opts for the minimum coverage required by law in Florida, namely PIP and PDL, they overlook that one of the most significant risks for cars is vandalism and theft.
Just a few months ago, in a neighborhood in South Florida, one or two cars would wake up daily without wheels, either on bricks or lying on the ground. Many affected owners only found out when they filed a claim that their insurance policies didn’t cover theft, as they lacked comprehensive insurance. They had to bear the expenses of this act of vandalism alone. Depending on the car model, a complete wheel plus labor can cost at least $150. In this case, they had to purchase and install all four wheels.
On the other hand, the ordeal for those owners who opted to include comprehensive insurance was more short-lived. Most of them, after reporting to the police, contacted the corresponding insurance company, which took care of compensating for the damage suffered.
It’s important to note that reimbursement for stolen wheels usually considers the deductible stated in the contract and tire wear.
It’s crucial to understand that vehicles parked on the street overnight are more prone to vandalism, theft, or windshield breakage. If your vehicle sleeps on the street, you should purchase comprehensive insurance with Univista Insurance. Comprehensive Insurance: Protect your car while everyone sleeps.
Give us a call today for a comprehensive evaluation! (305) 985-4126. You can also get a free quote right here.
