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Subject:
Auto Insurance
Category: Reference, Education and News > Consumer Information Asked by: ngkraft-ga List Price: $3.00 |
Posted:
05 Sep 2006 08:18 PDT
Expires: 05 Oct 2006 08:18 PDT Question ID: 762379 |
Is broken glass vandalism covered under comprehensive or collision auto insurance? |
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There is no answer at this time. |
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Subject:
Re: Auto Insurance
From: research_help-ga on 05 Sep 2006 09:43 PDT |
comprehensive |
Subject:
Re: Auto Insurance
From: triumfdoogooder-ga on 05 Sep 2006 13:50 PDT |
Not so clear-cut. I think a lot also depends on HOW the supposed damage to the glass occurred. If the glass was struck by a mobile object (for instance, a rolling bike), it would come under 'COLLISION COVERAGE' regardless of whether your car was stationary. I am almost certain when a shopping cart rolls into your parked car, it is considered collision. I am not an insurance expert, so I suggest you give you insurance rep./agent a call to absolutely be sure. |
Subject:
Re: Auto Insurance
From: jack_of_few_trades-ga on 05 Sep 2006 13:53 PDT |
Research Help is right. "Part D ? Coverage for Physical Damage to Vehicle * Collision vs Comprehensive * Collision Insurance is auto insurance that pays for collision damage to an insured automobile regardless of who is at fault. * Comprehensive Insurance protects against loss to an insured automobile caused by ANY peril not just an accident. This means that it includes theft, vandalism, etc. " http://listproc.ucdavis.edu/class/200601/are142-w06/0008.html |
Subject:
Re: Auto Insurance
From: research_help-ga on 06 Sep 2006 06:36 PDT |
triumfdoogooder, It is actually completely clear cut. This would definitely fall under comprehensive. If the asker wants to confirm, call your insurance company. |
Subject:
Re: Auto Insurance
From: yehoshua-ga on 13 Oct 2006 13:21 PDT |
I am an Insurance Agent for a big company (which will just remain anonymous). There are basically 3 levels of coverage you have on a car...Liability, Collision, and Comprehensive. Liability coverage is coverage for you in case you get sued in any situation to do with you as a driver of an automobile (whether to do with injury or damage to another party if you are found at fault). Collision coverage, in understandable terms, is simply physical coverage for your own car when you are responsible for that collision (hit a tree, a deer, another car, etc). Comprehensive coverage is coverage for everything else not realted to you as a driver during that situation (fire, theft, vandalism, hail, etc). It is very clear cut and very well defined, you should always ask your broker or agent if you ever are not clear on something. But to answer your question, your situation is a little different if it's a rental...since you do not own the vehicle then the above is not entirely applicable. You can either purchase additional coverage on your own veh (which is called "Legal Liability for Damage to Non-Owned Automobiles") which costs very little...usually less than $50/year, or some people have coverage on their credit card for the same thing like you do. Other wise the rental company will send you a big fat bill that you must pay in case of a loss. So....moral of the story: If you sign to decline coverage on the rental agreement, make sure you have coverage from somewhere else cuz basically you will be driving a car with no physical damage coverage and if you have a claim you will have to pay back every cent to the rental company. ...unless you "buff it out" and don't get caught! lol GOOD LUCK |
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