What You Should Know Damage caused by a hailstorm or heavy rain is not covered unless you have optional comprehensive insurance In some parts of America, hailstorms can drop hail the size of golf balls that can easily break the windshield and windows of your car and put major dents in the roof, hood, and […]
Does my auto insurance cover damage caused by a landslide or mudslide?
What You Should Know If your vehicle is parked, damage caused by a landslide or mudslide is not covered unless you have optional comprehensive insurance If you hit something while driving, collision insurance may cover an accident caused by a landslide or mudslide, depending on the terms and conditions of your auto insurance policy Under […]
Does my auto insurance cover damage caused by a lightning strike?
What You Should Know Occupants of vehicles hit by lightning are safer from electrocution if they are not in contact with anything made of metal that connects them to the car body Auto insurance coverage that may apply includes comprehensive insurance for the damage to the vehicle, collision insurance if the lightning strike makes you […]
Does my auto insurance cover damage caused by a friend who borrowed my car and got into an accident?
What You Should Know Accidents can happen to anyone, so when friends or family members borrow your car with your permission, the permissive use clause in your insurance policy has you covered Even if you don’t list your friend on your policy, they can still be covered — but that depends on your insurance company […]
Does my auto insurance cover damage caused by a blown tire?
What You Should Know The condition of the tire and its proper inflation is important Auto insurance does not usually pay to replace tires unless you have optional comprehensive insurance that covers tires under certain circumstances A blown tire may cause an accident, which your collision insurance may cover after you pay the deductible Some […]
Does my auto insurance cover damage caused by an uninsured driver if I have collision coverage?
What You Should Know There are differences between collision coverage and uninsured motorist coverage A collision insurance policy will work to repair damage to your vehicle in case of an accident Underinsured driver insurance can cover you if you are involved in a crash with an underinsured or uninsured motorist Auto insurance is an essential […]
Does my auto insurance cover damage caused by my own negligence?
What You Should Know You can make an insurance claim for damage you’ve caused to your vehicle If you have a liability-only policy, you may not be covered Different types of insurance coverage may or may not protect you Negligence is a critical factor in determining auto insurance coverage. Throughout your life, you’ll find yourself […]
Does auto insurance cover damage caused by an overheated engine?
What You Should Know Damage from an overheated engine isn’t something most policies will cover This is because an overheating engine is preventable You should make sure you know how to spot an issue and what to do next We all know that there are many things to consider when it comes to looking after […]
Does my auto insurance cover damage caused by a water main break?
What You Should Know The comprehensive portion of your auto insurance will cover damage from a water main break Not all water damage is covered, including if you forget to close your car windows before a major rainstorm Water mains can break for a variety of reasons and without warning, so adding affordable comprehensive coverage […]
Does my auto insurance cover damage caused by a deer or other wildlife?
What You Should Know For damage caused by a deer or other wildlife, you need comprehensive insurance unless you hit something else also Comprehensive insurance is an optional car insurance coverage in addition to collision coverage You will have to pay your deductible before your insurance company pays for the rest of the cost of […]