Auto Insurance Help Hawaii HI

Reader’s Question:

I thought I had the perfect policy for auto insurance in Hawaii. My father has recommended that I add a comprehensive coverage option. What would it accomplish?

Auggie

Koolaupoko, HI

Hi there Auggie,

Your father must have comprehensive coverage with his auto insurance in Hawaii. Comprehensive coverage is designed to protect your vehicle in situations that do not involve another auto or another driver. Suppose you were driving at night and a deer crossed your path. It so happened you could not stop in time. The collision with the deer caused your vehicle to sustain damage. Comprehensive coverage would pay for the repairs to your auto. In some cases you might be authorized to rent a vehicle while your car is being repaired.

Suppose your car was damaged as the result of a windstorm, or a flood or any other natural disaster. Perhaps a tree fell on your auto while it was parked. Your comprehensive coverage rider in your auto policy would provide funds for replacement or repairs and for a rental vehicle.

Comprehensive coverage also protects your car if it is vandalized. Broken windows, windshields, banged doors or any other vandalized part will be covered by auto policies with this rider. Generally this is an inexpensive rider but you may decide it is well worth the protection.