What Else Will Your Roadside Assistance and Towing Service Coverage Offer
While some drivers only get the minimal insurance necessary by their state or place where they live, some drivers prefer to add collision and comprehensive insurance to their policy, thus ensuring that they not only have access to roadside assistance and towing service but to also protect their vehicles for different situations. Comprehensive insurance is advised for all drivers, it covers a range of situations, essentially everything that is not covered by just collision insurance. Usually collision and comprehensive insurance are offered in a package; however, it is possible to buy these the two kinds of coverage separately.
Sometimes, buying collision and comprehensive insurance combined may be necessary, more so in financed cars. When borrowing money to purchase a car, it is an good idea to think about collision and comprehensive insurance, so even if the vehicle is totalled, money is still available to cover the outstanding loan. Normally lenders require proof of this insurance to carry the loan.
In short, comprehensive insurance covers everything except collision. Collision protects drivers in the case of accidents with other vehicles, objects, people, and the surface of a road. Collision insurance covers the driver whether they are at fault or not. It provides for roadside assistance and a towing service, storage, and salvage should the car be badly damaged. Normally, collision insurance covers the cost of repairs or replacement if it is too badly damaged, unless the repairs are because of mechanical failure due to incorrect maintenance.
More interesting to read: Tracking Your Tow Truck Fleet May Cost Less Than You Think
Comprehensive insurance covers theft, fire, weather damage, vandalism, riots, missiles, and other situations that could damage the vehicle. Comprehensive insurance does not cover acts of God, vandalism or theft by family members or employees, contents in the vehicle, tires, or damage caused by improper maintenance. So before purchasing any type of auto insurance, make sure to check exactly what you need.