Everyone who drives in Kansas City, MO is required to carry auto insurance. Even nonresidents must carry insurance that conforms to their states’ requirements. Unfortunately, most insurance only protects you if you are found liable in an accident that caused property damage and/or injury to someone else.
Liability Insurance Is Limited
If you are found to be liable and only carry liability insurance, you don’t even have protection to fix your own car. Adding extra coverage will help protect you in other ways, such as if you are the victim of a theft. At Rich Insurance Agency LLC, we like to help people find the level of protection they’re comfortable with.
Comprehensive Coverage Protects You Against Car Theft
Comprehensive coverage covers the theft of your car and its parts. Your insurance will pay if your car is stolen; if you recover your car but it needs to be repaired; and if your car needs to be repaired because of an attempted theft.
Comprehensive coverage also offers protection if your car is damaged by a falling tree, a fire, hail, or vandalism. Without the added protection, you will find that you are responsible for repairing or replacing your vehicle on your own.
Do You Have Protection If Someone Steals From Your Vehicle?
Fortunately, you will normally be covered if someone steals personal items from your vehicle. Your personal items are covered under your renters, condo, or homeowners insurance. You are covered up to an agreed amount, and you will have to pay your deductible.
Schedule A Consultation Today
If you are in Kansas City, MO and have any questions about auto insurance, please call Rich Insurance Agency LLC today. You don’t want to be surprised by finding out that you don’t have the coverage you need.
