Another thing to look at is whether you need medical coverage. It’s not required in many states, and it’s possible your health insurance will cover the same thing. You don’t want to be paying twice for essentially the same thing! There is one exception, The last course of action was to sue Preston, but it would likely cost more for the legal fees than they could get in court. Why? Preston had no insurance and not a lot of money. Even if the courts said he had to pay for everything, if he didn’t have $10,000, there’s nothing that could be done. So now the car that was crucial for getting Gary and his wife to work and their kids to school is just sitting in their driveway, rusting away. HORROR STORY: THE CASE FOR COMPREHENSIVE COVERAGE AMichigan man named Gary was driving his car up the road when, out of nowhere, a tree fell on him. Aman named Preston had been cutting down the tree and neither he nor his friend thought to stop or even watch for traffic. Gary’s car required $10,000, and the insurance company declared it a total loss. It was a 13-year-old car with about 200,000 miles on it, but Gary kept it in as good condition as he could. Unfortunately, Gary didn’t have comprehensive insurance, which likely would’ve covered the damage, and he didn’t have the money to fix his car — the family’s only vehicle. He tried filing a homeowner’s insurance claim, but Preston wasn’t the homeowner. The insurance company said the homeowner himself wasn’t negligent and refused payment. Instead, the insurance company said they should file a claim with Preston’s insurance, but he didn’t have any.
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