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Comprehensive Insurance Coverage

What is comprehensive insurance coverage?

Comprehensive insurance is a kind of insurance policy that provides its owners protection from unexpected accidents. It protects the policy holders from incidents over which they may not have any control. Given below are important questions regarding these insurance policies that have been answered by the Experts.

Would an individual’s premiums be increased if he/she informed the insurance company of an accident when the car was driven by someone else?

If the person who was driving the car at the time of the accident is listed as an insured driver on the individual’s policy, then his/her premiums may increase if the company is informed about the accident.

Would an accident caused due to hydroplaning affect an individual’s comprehensive vehicle insurance?

Hydroplaning by itself may not affect an individual’s comprehensive vehicle insurance claim. It may not be a reason to reject an individual’s claim. If the individual’s insurance covered him/her in all respects, then even if he/she was driving very fast when the accident took place, he/she may be paid by the insurance company. However, the individual’s policy premiums may be increased or his/her policy may be cancelled once the matter is settled.

Would a neighbor’s insurance company be liable if their neighbor’s tree falls on an individual’s truck thereby damaging it?

In most situations, if the tree looked healthy and the neighbor was not aware that it was weak, then his/her insurance company may not be liable for the damages. However, if the neighbor was aware that the tree was weak and did not take any action about it, then his/her insurance company may be responsible for the damages caused to the individual’s truck.

Who would be responsible for damages caused to a parked vehicle if the owner was not in it at the time of the accident?

In most situations, the liability towards the damage caused to a parked vehicle may be determined based on how the vehicle was parked at the time of the accident. If it was parked in such a way that it blocked access to other vehicles, then the individual’s comprehensive insurance may be responsible for the damages. However, if the other driver was completely at fault and the owner of the vehicle did not contribute to the accident in any way, then the other party may be completely responsible for the damages.

Would an insurance policy be considered invalid if an individual did not have a valid Ministry of Transport (MOT)?

Not having a valid MOT may invalidate an insurance policy. If an individual was in an accident when they were on their way to get a new MOT, then the individual may be able to save his/her policy if he/she proves that there is a scheduled appointment for the MOT. He/she may obtain the proof from the garage where the appointment was scheduled.

Most of the time, you may not be prepared for unforeseen incidents and accidents caused by things over which you have no control. Having a comprehensive insurance policy can protect you and your property from such accidents. You may seek the help of an Expert if you have any questions about comprehensive insurance.
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