When it comes to insurance, Serramonte drivers have a lot to consider. We live in an area with a considerable amount of auto and parts theft. Plus, San Francisco’s stop-and-go traffic is rife with opportunities for rear-endings and fender benders. So, when you buy a new BMW, you need to consider comprehensive insurance coverage. What does comprehensive auto insurance cover? The finance team at BMW of San Francisco breaks down the details of what comprehensive coverage is, and what it can do for you.
Comprehensive insurance coverage is just like it sounds—insurance that covers a wide variety of incidents that can happen to a car in South San Francisco or Pacifica. Some of those incidents can include:
What does comprehensive insurance cover compared to other types of insurance, specifically collision and liability insurance?
This is the insurance that will pay out if you’re in a car accident where you hit another driver or are hit. This is often combined with comprehensive insurance to give Bay Area drivers financial protection for the myriad of incidents that can lead to their cars being damaged.
This is the minimum insurance every driver is required by law to carry. It protects people involved in an accident where you’re at fault.
This coverage is specific to the time when you owe more on your auto loan than your car’s assessed value. GAP insurance covers
Let’s say an earthquake causes $5,000 worth of damage to your vehicle. You’ll need to file a claim in order to get coverage. This will depend on your provider, but typically .you can file online, by phone, or via a mobile app. Unless your insurance provider says otherwise, you’ll take your vehicle for repairs and pay the deductible amount. Your insurance will cover the remaining $4,000 owed.
The finance team at BMW of San Francisco is here to help you with all your automotive finance and insurance needs. If you’d like to learn more, pay a visit to our finance and insurance information hub, or contact us.
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