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Some Oregon motorists mistakenly believe all auto insurance plans pay for repairs to any kind of damage. The truth is that many policies only cover traffic accidents. If you want an insurer to pay for vandalism-related losses, you’ll need to buy extra coverage. You may be required to purchase it in some situations.
Comprehensive policies cover a variety of non-collision damage. In addition to vandalism, they often compensate drivers for losses linked to fires, hail, flooding or theft. Motorists usually buy this type of coverage in combination with collision insurance. It frequently appeals to owners of fairly recent or high-value vehicles. As with any insurance plan, actual compensation varies depending on the policy terms and the results of an insurer’s investigation.
Is it Required?
Oregon state law only calls for motorists to obtain liability coverage. However, the terms of some auto loans require drivers to purchase comprehensive insurance. Banks, credit unions and other lenders want to fully protect the value of borrowers’ cars. They know that it can become difficult to recover the borrowed funds if a storm, fire or vandals heavily damage a vehicle without the right coverage.
Making a Claim
Astoria, OR motorists should report car vandalism to the local authorities as soon as possible. Insurers normally want to see police reports before they pay for repairs. It’s wise to take photos and contact the insurer before visiting a repair shop. Drivers ought to take steps to prevent additional damage, such as protecting broken windows with plastic.
If you need comprehensive auto coverage at affordable rates, turn to the friendly insurance experts at Linda Dugan Insurance in Astoria OR. This independent agency finds the best prices and most suitable policies for local motorists. To learn more and compare quotes, please call the Linda Dugan Insurance office at 503-440-3909.
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