The weather in Phoenix and Gilbert can be unpredictable! Snow, ice, and hail can wreak havoc on your Mercedes-Benz and cause significant damage. When was the last time you took a good look at your car insurance policy? Maybe you’re wondering, “Does car insurance cover hail damage?” The only way to know for sure is to check your policy and have a conversation with your insurance rep. Mercedes-Benz of Chandler can help with this insurance overview.
If you carry liability coverage only, your car will not be covered if it’s damaged by hail or anything else while on Tempe roads. Liability insurance is only used to cover the other driver’s expenses if you cause a car accident. It doesn’t cover your own vehicle or expenses. However, storm and hail damage is covered if you carry comprehensive coverage instead. If you have financed your vehicle, you most likely have a collision policy that provides comprehensive coverage as well, but always check with your insurance provider to confirm your insurance coverage.
Mercedes-Benz of Chandler hopes you never need it, but a full insurance policy protects you against a lot more than hail damage. Along with protection from winter weather damage, a full policy provides a financial defense in the event of:
You will need to have collision insurance or full insurance to cover your car in an accident. If you finance a vehicle your insurance company will require proof of it. In the event of a collision, or any other type of damage covered under your insurance, you will probably have to pay a deductible first. A deductible is an amount you have to pay out-of-pocket before your insurance coverage kicks in. If you need collision repair give our experienced collision center a call.
Does car insurance cover the car or the driver? Comprehensive insurance follows the car, but this isn’t always the case!
Body damage not only can reduce the value of your vehicle, but it can cause future problems too. For example, a small windshield ding can suddenly burst into a huge crack, or even fracture your entire windshield when you hit a big bump or experience extreme temperature fluctuations. So, keep your Mercedes-Benz in top shape at Mercedes-Benz of Chandler
If you have more questions about your car insurance options and coverage give our finance and insurance department a call. Mercedes-Benz of Chandler is always happy to help, so contact us today for all of your automotive needs.
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