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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

The Role of Comprehensive and Collision Coverage in Auto Insurance

Comprehensive and collision coverages, often overlooked, are crucial for your peace of mind. They pay for repairs to your vehicle after an accident. Collision covers repairs after you have collided with another car, building, tree, fence, or other still objects. Comprehensive (sometimes referred to as ‘other than collision’) takes care of damage to your car caused by incidents such as vandalism, hail damage, theft, fire, flood, tree damage (falling on the vehicle), running into a deer, and more.

Comprehensive and collision aren’t coverages required by Iowa law to operate a motor vehicle in the state legally. However, a lienholder may need additional coverage when leasing or financing your automobile until it is paid off. Even after paying off your vehicle, you may consider carrying comprehensive and collision on your auto insurance to have extra coverage and give you peace of mind when the unthinkable happens. Our licensed agents at Heimgartner Insurance Inc. in Sioux City, IA, can help you consider your options and make the best decision.

In Iowa, you are only required by law to carry liability insurance. Liability covers repairs to the property of others and their bodily injuries up to the dollar amount purchased on the policy when you are found liable for causing an accident. However, none of that takes care of your vehicle repairs after an accident where you are found at fault for the accident, nor does it give you the ability to have insurance help with repairs if you’re in a single-car incident. Therefore, having comprehensive and collision insurance to fill these gaps in your coverage can be very useful.

For More Information

For more information on comprehensive and collision coverage, coverage deductibles, and premium details, contact your friendly agents at Heimgartner Insurance Inc. in Sioux City, IA. Call us today at (712) 226-3853. We look forward to speaking with you and helping you meet your auto insurance needs.

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