A “full coverage” car insurance policy consists of two parts aside from the basic coverage that is required in order to operate a motor vehicle on the nation’s roadways. The first part is known as comprehensive. This type of policy provides protection to the insured in the event that their vehicle is damaged by anything “Other than collision”. Items protected in these policies include but are not limited to such perils as theft, fire, vandalism, striking an animal, windstorms, flying objects, hail and broken windows. One must keep in mind that in both comprehensive and collision auto insurance policies, their insurer has the right to choose two methods in which to pay a claim. The first choice is that they can give the owner of the property the amount that is necessary to repair or replace the vehicle that suffered the loss. The other would be to compensate with the actual cash value of the damaged or stolen automobile.
Although this type of coverage protects against certain perils, there are exclusions that are not protected. This may include electronics that are not permanently installed in vehicles such as: radios, stereos, tape decks and compact disc players. Other electronics that may be excluded are such items as CB radios, telephones, two-way radios, receivers, monitors, radar detectors and personal computers. If the covered automobile is damaged as a result of being involved in illegal activities, it may also not be protected. Custom furnishings and custom murals, paintings, decals or graphics can also be an exclusion. One should inquire with their insurer if they believe that they may carry items that could fall into this category to clarify whether they are covered or not.
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