Car insurance is a necessity but some people don’t know how much they can actually claim for. A common mistake that people make is not knowing the actual worth of their car or even worse not checking out their insurance policy before buying the car. However, when your car is damaged you can be covered for thousands of pounds in most cases. Let us take a closer look at how this works.
For many people their car insurance is simply a cover for damage to their own car and roof. If you were unlucky enough to have an accident and your car was totally destroyed then you would be unable to pay for anything other than the cost of the car to be repaired. In such a case you could make a claim for up to so much as the contents of your car were lost, your roof and car repairs costs could also be covered. However, if you are lucky and your roof and car repairs costs are also covered then your car insurance may cover the cost of replacing your car.
It can be hard to work out how much insurance will actually pay out for damaged roofs and damaged cars. One way of getting an estimate is to contact a few car insurance companies and ask for a quote. When you receive a quote you should read through it and check that all the insurance protection you wish to claim for actually applies. Sometimes your insurance will only cover the roof of the car but may not necessarily cover the entire car.
Sometimes car insurance will cover the cost of repairing your own car. If your roof is damaged due to storm or vandalism then your insurance should pay for you to buy another car and get it repaired. This will give you added protection in the event of a second incident. It can also save you hundreds of dollars on the cost of having to repair your own roof!
In the event of injuring somebody else, roof repair is usually the cheapest form of road traffic accident compensation. If you have suffered serious injury then you could make a claim for pain and suffering, loss of earnings, reduced income and further medical expenses. Accidents which result in the death of someone else can also entitle you to compensation for the loss of their loved ones. Again your car insurance will usually pay for the cost of the roof repair, but remember your other road traffic accident injuries may also make a claim for loss of earnings.
If you do have to make a claim for damage to your roof due to a road traffic accident then your car insurance will usually pay for some or all of it. This means that if you have to pay for roof repair yourself then it will be more costly than taking out a policy for the same. If you are unlucky enough to have an accident where a vehicle is stolen then your insurance may pay you so much to replace the stolen car as it is written into your policy. Again check with your provider regarding the amount they will payout for stolen vehicle roof replacement.
The roof of your car is one of the weakest areas of the car and this is not something you want to take lightly. There are hundreds of accidents every year that end up with someone having to make a claim for damage to their own car’s roof. Your car insurance should give you protection in such cases and you need to make sure you have adequate coverage in place if you want to protect your own assets. Remember that your roof is one of the most expensive parts of your vehicle so it is worth taking some steps to protect it. It may seem like an unnecessary expense when you first hear about it but the fact is it is worth it.
Roof repairs can be expensive, and as a result there are many policyholders who are choosing not to carry them out. If you choose not to get car insurance cover for your damaged roof then you are not only wasting money but you are also putting yourself at risk. It is easy enough to put the cost of repairing your roof into your monthly budget but you must never forget the cost involved in an accident. Accidents can happen when you least expect them and it is essential that you have the necessary insurance cover. When you are in an accident and you are covered by your insurance, you will feel much more confident about driving as you know you won’t have to worry about what happens to your vehicle.