If you don't have full coverage auto insurance, you could be missing out on some valuable coverage. Many people don't have full coverage if they don't finance their cars, because it's not required. However, if you don't have comprehensive insurance on your policy then you could be missing out on some important coverage. Here are some important things that aren't covered on your insurance unless you purchase comprehensive coverage.

Theft

If someone steals your car and strips it down to the frame, or maybe just breaks in and runs with the stereo, your insurance isn't going to cover your losses. If your vehicle is torn down to nothing, you'll be left with something worthless and no money to buy a new one. With comprehensive insurance, you can file a claim to receive compensation for your losses. Whether you need a new stereo or an entirely new car, you will receive a payout.

Vandalism

You never know when someone is going to destroy your car just to give you a hard time. You could go to your car to go to the store and find it covered in spray paint, windows broken, or keyed. If this happens, you will be stuck with all of the body repairs. This also goes hand-in-hand with the theft, because people will break windows or other parts of the car while trying to steal your belongings. The only thing that will cover the costs of the vandalism repairs is comprehensive insurance. Don't let an angry person or a teenage prank cost you hundreds or even thousands of dollars.

Hitting a Deer

If you are driving down the road and you hit a deer or another large animal, you won't be covered by collision insurance. Collision insurance will only cover damages if you hit another vehicle. A large animal, such as a deer, could destroy the entire front end of your car and even total it. You never know when it could happen and you want to be covered if it does.

Falling Objects

Each year, more than 100 people in the United States are killed by a falling tree. With 250 billion trees in the world, you never know when one could fall on your car. Large branches can go flying off of trees any time during a storm. If one lands on your car, you will receive no compensation without comprehensive insurance. Falling trees aren't your only enemy when it comes to objects falling out of the sky. While it may not be likely, an airplane could crash, a piece of a meteor could fall, or a dozen other freak accidents could happen. With comprehensive, you'll be covered no matter what lands on your car.

Flooding

Flooding can happen almost anywhere, but if you live near rivers, oceans or lakes, it's even more likely to happen. If a flooding occurs, your insurance isn't going to cover the damage to your car without comprehensive insurance. With flood damage, you could end up replacing your engine, your transmission, and other vital and costly car parts. It can also cause serious rusting, which gives your car a low resale value. You need comprehensive so you can cover the costs without draining your bank account.

Severe Weather

If a storm hits and your car gets stuck in the crossfire, comprehensive insurance will save the day. Hail damage is especially expensive. It can put several dents in your car and even break your windows. Make sure you're covered, especially if you don't have a garage to park inside of.

As you can see, comprehensive insurance is extremely important. You don't want to leave it out just to save money on your premiums and then end up with out-of-pocket expenses that you can't afford. Reach out to a local professional, such as Colling Insurance Services, Inc, for more information. 

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