What does collision and liability coverage offer?
When you have a collision or liability plan, you’re legal to drive with a valid drivers license. Collision insurance will cover your damage in the event of a qualified collision on the road. But your provider almost never takes care of wind damage if this is your only coverage.
These plans do not cover damage from natural causes, such as from a windstorm, tornado, or hailstorm. If you have collision or liability insurance, you pay a lower monthly rate. However, you don’t have your insurance company to lean on if something happens to your car that’s out of your control. (For more information, read our “Understanding Auto Insurance Coverage For Tornado Damage: What You Need To Know“).
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Do you have comprehensive insurance coverage?
Of the three main options, only comprehensive coverage pays for repairs outside of car accidents or other collisions. It is the only plan that takes care of you after acts of nature damage your car, such as a windstorm. Anything that’s not directly related to a collision would fall under comprehensive.
With comprehensive coverage, you pay more for better coverage if you need repairs due to an event outside your control. However, you may have to pay at least some of the repairs depending on how high your deductible is. Generally, drivers choose matching deductibles for comprehensive and collision.
While you may be concerned about cost, your comprehensive insurance is generally much smaller than your collision coverage premium. Some drivers also have an umbrella policy to provide extra coverage in the event of a large accident of some kind. With or without an umbrella policy, these policy service options provide valuable coverage whether you drive or not.
Where can you find the auto policy you need?
If you’re shopping for an insurance policy, one of the best things you can do is check in with experienced agents. Let insurance agents get you quotes from a few companies. Then you can compare customer reviews, premiums, and other important factors before you’re dealing with serious property damage. Such as your car door and wind damage, which can happen at any time. You want to be sure you’re prepared, and that situations like that won’t have to come directly out of your pocket if you can help it.
Your auto insurance is typically something you pay for assuming it will be there when you need it. You may have changed policies because your previous policy didn’t live up to your expectations when you needed help. With the right research and comparisons, you can get the facts you need before you’re in crisis.