What does a comprehensive auto policy cover

When you hear the word comprehensive you may think that this is an auto policy that covers every eventuality. That is not however what comprehensive insurance is. To understand what a comprehensive auto policy covers if you live in Richardson, TX you have the Eichelmann Insurance Agency to help you navigate the complicated world of insurance terms and coverages. 

Natural disasters

No matter where you live in the United States natural disasters are a hazard that you have to deal with. Whether it is destructive winds from a tornado or a hurricane or the resulting hail, this will be covered by comprehensive insurance coverage. 


Something as simple as having your car keyed in a parking lot can cause hundred of dollars in damage. You may need an entire new paint job and that could be very expensive. It would be covered with a comprehensive car policy. 


If your car is stolen it may or may not be recovered and even if it is recovered, it may have been severely damaged. If you carry comprehensive coverage you will be able to get your car repaired or replaced after a deductible is met. 


Fire can happen without a lot of warning and if your car is in the wrong place it could receive catastrophic damage. Most mechanical things that happen to your car are not covered but an engine fire is an exception. 

Falling objects

If you park under trees, your car could be crushed by a limb, it doesn’t even take strong winds to make it happen. 

Damage done by animals

Deer have a nasty habit of running in front of or into cars. The amount of damage can be enough to completely total a vehicle.

The Eichelmann Insurance Agency in Richardson, TX can give you all the information you need to decide if this coverage makes sense to you. Check out their website or give their office a call for a no-obligation quote. 




3 Reasons To Get Comprehensive Coverage For Your Auto Insurance Policy

When clients contact The Select Insurance Agency, often one of the first questions that they will ask is about comprehensive auto insurance policies. The Select Insurance Agency is more than happy to assist Coppell, TX residents in this regard.

The following guide offers a closer look at the most important reasons why you need to get comprehensive coverage for your auto insurance policy. These key benefits can assist motorists with a wide range of problems.

Replacing a Stolen Vehicle

For most of us, our car is a crucial aspect of our livelihood. If you cannot afford to replace a stolen vehicle, purchasing comprehensive coverage for your auto insurance policy is the way to go. In the majority of instances, a comprehensive coverage policy allows us to receive fair value for the vehicle that has been stolen. This allows motorists to avoid lengthy periods without their vehicle that could put a damper on their ability to earn a living.

Repairing Weather Damages

Living in a state like Texas means having to endure all sorts of weather-related issues. The constantly changing weather causes most to pay for these damages out of pocket but thanks to comprehensive coverage, this is something that we no longer have to worry about. Hail, hurricanes and other assorted damages do not have to become our problem.

Protection From Animal Collisions

Did you know that many collision insurance policies will not include an option to take care of motorists who experience an animal collision. Even something as simple as a collision with a dog or a deer can lead to costly damages and it behooves us to remain cognizant of these risks in Coppell, TX. If you do not wish to replace cracked windshields or broken fenders caused by animal attacks, purchasing comprehensive coverage for your auto insurance policy is the best choice.


Does Your Auto Insurance Cover Rental Cars?

The warmer weather, longer days, and the approach of summer signals vacation time. If you travel to a destination without a vehicle, you most likely will want to rent a car. Specials for such rentals abound on websites, newspaper, and coupon mailers. While these offers seem to be bargains, they don’t include insurance, which you may find necessary to protect yourself from damage or theft.

Such insurance can easily double or triple the total cost of the rental. Fortunately, you have options for that coverage including the personal auto insurance provided by Eichelmann Insurance Agency.

Rental Car Insurance

For a fee, the rental car company offers you at least two types of coverage. The first is Collision Damage Waiver, which eliminates your financial responsibility if your vehicle is lost or damaged. The second is liability insurance, which covers injuries to people and property damage. In Dallas, TX, and the rest of the state, minimum amounts for that coverage equal $30,000 for each injured person up to a total of $60,000 per accident, and $25,000 for property damage.

Credit Cards

Many credit cards also offer free rental car coverage, if you book the rental entirely with that card. Such coverage costs nothing extra and can avoid your having to purchase the insurance offered by the rental car company. However, keep in mind that credit card coverage is generally secondary. It will only kick in to cover certain damages and liabilities not covered by your regular auto insurance. A few cards, such as the Platinum Card from American Express and the Delta Reserve Credit Card offer primary coverage.

Auto Insurance

In Dallas, TX, or anywhere in the USA, your personal auto insurance policy typically covers the cost of insuring a rental car, particularly if the vehicle you’re renting costs the same as your personal car. However, if you’re in the habit of renting expensive convertibles or exotic cars that cost more than your usual ride, your insurance may not cover you totally. The best way to be sure is to contact Eichelmann Insurance Agency and ask how their policies cover the car you intend to rent.

Auto Insurance, What’s the Big Deal?

You might be wondering what the big deal is with auto insurance and if you truly need it.  Well, according to the law, you do need it.  However, if you happen to be in doubt as far as whether it is worth it, keep reading.

If you own a car, you need to have it insured.  Period.  This will not only protect your vehicle in case of an accident, it will also protect you from being fined and/or going to jail for driving without insurance.  If you are financing your vehicle then most of the time, lenders will not even finance it without proof of insurance either.  Also, if you are in a collision, if you have the right type of auto insurance, your passengers and yourself will be protected as far as medical expenses go.

Your property can also be protected.  Say you have an accident and you are the at fault party.  If you don’t have insurance, you can be sued and end up losing everything you own.  However, if you do have insurance, it will take care of the cost of damage that the other party’s property received.

Dallas is a big place and there is always a ton of traffic.  As a result, there is always a huge chance that you can be involved in an accident that can cause both property damage and personal injury.  Protect yourself and your property with auto insurance.

If you are in the Dallas, TX area and would like more information about the different types of auto insurance as well as what they do and don’t cover, call or come by Eichelmann Insurance Agency today.  We have friendly and knowledgeable agents standing by to help you find answers to all of your questions and get you the insurance coverage that you need.