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Hanover car insurance comprehensive coverage: things you should know

If a hurricane washes your car out to sea, Hanover car insurance comprehensive coverage can help pay to replace it

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Auto accidents are not the only misfortunes that can damage your car. Your car can sustain costly damage due to fires, floods, falling or flying objects, animals, severe weather or even theft. If you need protection against vehicle damage that results from events other than accidents, Hanover car insurance comprehensive coverage is an auto insurance coverage option that you may want to consider.

An overview of Hanover car insurance comprehensive coverage

think of adding hanover car insurance comprehensive coverageLike accidents, non-collision events can cause severe damage to your vehicle, and you may have to pay a substantial amount of money to repair it. If you own an expensive vehicle, the cost of repairing it can amount to thousands or even tens of thousands of dollars. Hanover auto insurance comprehensive coverage is specially designed to minimize the financial losses you would otherwise suffer in the event that your vehicle is damaged in a fire, flood or other non-collision event. You may get reimbursement for part or all of your losses depending on the level of coverage you purchase.

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Types of events that are covered

Hanover car insurance comprehensive coverage provides protection against the following non-collision events:

  • Theft -  Hanover car theft coverage will compensate you for the cost of repairing or replacing your car if it is stolen, though you will only be eligible for compensation if your vehicle is damaged or is not recovered after it is stolen
  • Broken windshields - reimbursement for losses due to broken windshields from Hanover protects you against various events that can cause your car's windshield to break, such as falling objects or impact with road debris and rocks
  • Fire -  coverage for car fires from Hanover pays for losses you incur when your car is damaged in a fire
  • Floods -  If your car sustains damage due to a flood, coverage for flooded cars from Hanover enables you to seek compensation for losses that result from the damage
  • Severe weather - Hanover pays for losses of damage caused by severe weather events like hailstorms, tornadoes and hurricanes
  • Animals - if you hit an animal as it crosses the road, or if an animal somehow causes damage to your car, Hanover will pay to repair the damage

Hanover car insurance comprehensive coverage: costs

Hanover car insurance comprehensive coverage is competitively priced compared to the comprehensive coverage plans that are offered by other insurance companies. The cost of this coverage may vary depending on factors such as the type of car and your credit history. If you want to get a lower rate for your comprehensive coverage plan, you may qualify for the auto insurance discounts offered by Hanover, such as the multi-vehicle discount, the safety equipment discount and others.

Do you need this coverage?

hanover car insurance comprehensive coverageWhile there are no states requiring you to add comprehensive coverage to maintain a valid license to drive, there are other factors to consider when thinkng about this option. If you have a car loan or lease, read the terms and conditions carefully. Many loans and leases require drivers to carry collision and comprehensive coverage to protect the car against damage until the loan is paid or the terms of the lease are fulfilled.

If you live in an area prone to severe weather or that has a high rate of auto theft, that may give you more reasons to add this option. Hanover is one of a number of car insurance companies that will let you add comprehensive on its own, as opposed to many companies that require you to have both collision and comprehensive if you want either one.

 

To understand all the coverage options you might want to include on your car insurance plan. it might help to speak with a local, licensed car insurance agent with access to products like Hanover car insurance comprehensive coverage. An agent will be able to answer all your questions and can even show you sample policies you can review before you have to buy. Reply! can help as we are an excellent place to find local car insurance agents ready to get to work for you, today.

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