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Car protection –Protecting you from unexpected repairs?

by Concordauto Protect Autocars warranty

Have you been making payment month after month that often leaves you wondering what the main purpose of your car protection plan is? In case you are a new driver, never filed a claim or new to ownership of car, it can be all the more frustrating due to the high cost that you have been paying combined with the strong feeling of getting nothing in return. Believe it folks; car protection cover does have a purpose. And, if you think it is scam, then you are wrong. Understanding what exactly car warranty is might alleviate some of your worries and concerns.

It is financial protection

For those who carry PLPD on their car, chances are that you will not file a claim ever. Insurance is all about a game of chance. Perhaps, your car got damaged and you do have insurance plan, however it does not fix it.  In such times, you feel that your vehicle warranty is worthless however you do get what you pay for. It is important to know that PLPD does not cover any kind of physical damage that happen to your car.  However, it does provide protection for other types of loses that your vehicle might suffer.

PLPD car warranty protects a person against lawsuits. In case, you are at a fault in a car accident, it is obvious for the injured party to seek compensation. Without car insurance in place, you would be held financially responsible and might be forced to pay for all the damages that occurred out of your own pocket. There are many people who cannot afford to self-insure. It is one of the main reasons why most states need at least PLPD to be purchased for all car drivers. 

Years without making a claim might set you wondering if you need a car warranty at all. As nothing happens ever, why keep paying the premiums year after year? Is not it good not to have any kind of claims? It would further keep the rate of cover plan low while keeping you away from claim hassles.

Car protection plans for physical damage repairs

Car protection plan can help get your vehicle repaired after an accident on the basis of the coverage that you would select. A vehicle is considered as a major expense and the most expensive investment and you want to keep it protected. Collision and comprehensive each offers coverage for physical damage that comes along with several rules regarding what is covered under the plan and what is not.

  • Comprehensive damage is for anything except a collision. Storm damage, theft, fire and vandalism all fall under the category of comprehensive. In most cases, comprehensive coverage is needed for getting roadside assistance. Further, it is also needed for purchasing collision coverage. 

  • Collision coverage plans protect your vehicle against accidents. Collisions with light posts, automobiles, trees, mailboxes and other inanimate object are covered under this type of coverage.  Often a deductible is needed to be paid before getting the repaired vehicle back. This type of coverage often works the most when you are at fault or has no idea about who damaged your car.

Car warranty is not meant for mechanical repairs

Unless mechanical damage was caused by exterior factors like a collision, fire or theft, your car protection plan would not cover it. It is important to know that bad workmanship or wear and tear is not something that your car warranty handles. When it comes to mechanical repairs, it is entirely your responsibility.

Before you choose to buy car protection policy, make sure that you read the detailed carefully so as to make a well-informed decision.

 


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About Concordauto Protect Innovator   Autocars warranty

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Created on Sep 18th 2017 01:50. Viewed 629 times.

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