Advantages to Purchasing Collision and Comprehensive Auto Insurance in San Francisco, CA

By: Carson Evans
Submitted: 2008-10-07 18:09:40
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What are the advantages to buying collision and comprehensive car insurance in San Francisco, CA? Are there any circumstances in which it may not be worthwhile to pay for "full coverage?" Some benefits are apparent right away. Comprehensive coverage protects your vehicle from all unforeseen damages, whether resulting from hail damage, flooding, vandalism, theft or even wild animal life. Collision coverage insures all sorts of collisions on or off the road. If you ever make a mistake and damage your car, you will be glad to have full coverage! You may even have to purchase full coverage by the order of your San Francisco bank or in-house car dealer, so as to protect both parties from financial loss.

There are also other advantages to consider. Collision coverage can be considered a backup plan in the event that you cannot collect insurance damages from another driver. You could be dealing with an uninsured motorist or an underinsured motorist. Worse yet, you could simply be dealing with a cantankerous motorist who refuses to admit the accident was his fault. Since you cannot collect damages from him, who has to pay for repairs to your car? If you have full coverage, then you can repair the kinks in your vehicle, regardless of whose fault the accident was. You could even be covered for major no-fault mistakes. Collision coverage will be especially convenient if you are held legally responsible for an accident that wasn't your fault. Remember, that even if your insurance company pays on damages that were not your fault, the issue is by no means closed. The insurance company can take over your claim against the other driver and declare subrogation. You may be surprised at how viciously your San Francisco insurance company fights for that money-and why not, since you are their respected client?

Wait a minute-can't you simply buy underinsured motorist coverage? Yes, but don't conclude that this will pay full damages for your car. This coverage may only be enough to cover liability. Collision damage is in the "also" category, situated behind uninsured motorist and liability. What if your car is an older model and has a low market value? Then it's very possible that your combined annual premiums will be worth more than the car itself. However, the company has agreed to replace the value of the car, and this is a provision worth holding onto, especially if you don't have thousands of dollars to spare

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