Accidents happen every day. Nobody can predict when an accident may happen. However, even if you cannot predict when the accident may happen, you may at least prepare for it.
In the article Everything You Need To Know About The Accidental Death & Dismemberment Insurance in Michigan, we have discussed accidental death and dismemberment insurance in Michigan. Since the release of that article, we have received a lot of calls and queries about the other kinds of insurance that are available in the state of Michigan.
To reiterate, in the United States, accidents are the third leading cause of death. For people between the age of 25 to 44, it is often the cause of death. Of course, this is why it makes sense to have a comprehensive insurance policy that could cover your needs, or your family’s needs when an accident happens.
Here at Haque Legal, it is our goal to make sure that you have the protection you need in times of trouble. We want to answer all of your questions and therefore we have created this article series that would discuss everything you need to know about car insurance coverage in the state of Michigan.
In the previous articles, we have discussed the mandatory insurance coverages and the different kinds of optional insurance coverage. In this article, let us look at another kind of insurance coverage – comprehensive insurance coverage.
Comprehensive Insurance Coverage
Comprehensive insurance coverage is insurance coverage for situations that do not involve a car collision in Michigan. If the first kind of optional car insurance that we have discussed is collision insurance coverage which covers any kind of collision with a car or with an object, the second kind is the comprehensive car insurance coverage that does not cover collisions but all of the other situations that may cause damage to your vehicle.
What are the situations that are covered by comprehensive insurance coverage?
Comprehensive insurance coverage provides auto coverage for situations that do not involve a collision such as the following:
- Acts of vandalism;
- Riots that could occur at any given time;
- Damage from a fire;
- Explosions;
- Earthquakes;
- Falling objects;
- Scratches from an unknown source; and
- Theft.
Does comprehensive insurance coverage require a deductible?
Yes, when you get comprehensive insurance coverage you will be required to pay a deductible. The existence of fault is not a controlling aspect of comprehensive insurance claims.
What is the difference between a collision claim and a comprehensive claim?
A collision claim is a claim that is relating to a crash, whether you crash into a vehicle or property or someone crashed into you. The examples of a collision claim include claims on when you swerved because of ice and hit a pole or any property. This also includes the claim you file when someone hits your car in a parking lot and has dented your car and driven off.
If this is the case, please reach out to our killed Southfield car accident attorneys.
A comprehensive claim is a claim where there is no collision to speak of such as when your car is stolen and looks like it will not be recovered or when there is a fire in your house or the garage that you are parked in and it damages your car.
Which coverage should you get?
For full protection, we always recommend that our clients and readers get both collision insurance and comprehensive insurance as they make such good coverage for you and your motor vehicle.
You can get collision coverage for all kinds of collisions that you are exposed to while you are driving and even when you are parked and you can get comprehensive coverage that covers all of the other events that are related to the insurance coverage that you will get.
Is Fault Important In A Comprehensive Insurance Coverage?
No, the fault is not important in comprehensive insurance coverage. Why is this the fact? The reason is that you are always required to pay a deductible every single time when you get comprehensive insurance coverage.
Get Yourself a Good Lawyer
Here at Haque Legal, our accident lawyers in Southfield always tell potential clients that the best thing that they can do in case of an insurance dispute is to get themself a good lawyer at the beginning of the proceedings. Even when you are just filling up forms or when you think that you already have a dispute, you can always get yourself a good lawyer to get started with the process.
The first great thing that you can do is to make sure that you have a good guide when it comes to dealing with the legalities of your claim.
Contact Your Insurance Company
If you have been involved in a car collision in Michigan, make sure that you are protected. By contacting your insurance company, you will have what you need in terms of their decision and see if they just need a little nudge in the right direction.
If the answer of the insurance company is not positive on your claim, then you need to make sure that you will get going with your complaint.
A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.
Disclaimer:
The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.
Let us help you out.
If you are having trouble with filing an insurance claim or have been in an auto accident in Michigan, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call.
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