Comprehensive coverage covers theft of your vehicle, damange due to flood and all items contained within.
BUSTED
Comprehensive coverage on your auto
insurance policy only covers items Original Equipment Manufactured and
installed components. This does not include your car stereo or GPS device if it was added by you or previous owner after taking possession.
Aftermarket
items such as custom wheels, flat screens, entertainment systems or engine
performance upgrades must be added to your policy “customization” for accurate
rating, authentication and approval for an additional cost.
For coverage on
items contained in your car such as iPods, clothing, and compact discs you will
need Homeowners or Renters coverage and is subject to your policy deductible.
In
the event of flood damage, you have no personal property coverage because flood
is specifically “excluded” on all property policies. Your auto is only covered
subject to your comprehensive deductible. Flood insurance protection is only
available for home, renters and commercial property and purchased separately
usually through FEMA.
At GIA LLC we offer options associated with your specific
vehicle so you know you’re covered for that!
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