Featured Image Caption: Puncture on a Car
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With so many different types of car insurance available, it can be confusing to know which one is right for you. However, all automobile insurance policies typically cover four main areas of risk: bodily injury liability, property damage liability, collision coverage, and comprehensive physical damage coverage. Here are five specific types of damages that your car insurance policy can help cover.
Dents and Dings
Protecting your car from unexpected harm can be a daunting task. Despite your best intentions, sometimes things outside of your control such as hail storms and flying debris cause extensive damage to vehicles. Fortunately, car insurance can shield you from some of the burdensome costs associated with dents and dings incurred from hail damage or flying debris. It’s important to know that not all policies cover this type of claim so make sure to check your policy before assuming coverage is already included. Purchasing additional coverage may be more affordable than you think and will offer invaluable peace of mind knowing that you are protected in the event of an unlikely occurrence! Make sure to talk to a professional insurance agency, like Del Toro Insurance Airpark Plaza, to know what your plan includes.
Windshield Cracks and Chips
Windshield cracks and chips can be inconvenient and stressful, but they don’t have to stress your wallet too. Many car insurance policies cover repairs or replacements of windshields, and some may even include a deductible waiver. Knowing that you can depend on your car insurance policy to keep the glass in your car secured is a great reassurance. Look through your particular policy’s details, or contact an insurance representative to determine how much coverage is provided for windshield repair or replacement in case something happens on the road. That way, you can drive with peace of mind knowing that you have the protection you need.
Headlight and Taillight Damage
It’s not always easy to foresee your car being damaged, but if a headlight or taillight goes out it can become quite a hassle. Fortunately, most car insurance policies are designed with this specific kind of damage in mind. Not only do they cover any costs associated with replacement and repair, but they also provide peace of mind knowing that you won’t be responsible for the added expense. So while any kind of unexpected damage to your vehicle is never ideal, having reliable insurance coverage is definitely an advantage when it comes to making sure you’re properly taken care of.
Flat Tires
Having a flat tire is never a good experience; between the frustration of being stuck on the side of the road, and the added cost of having a professional come to change it, most people would rather avoid dealing with them altogether. Thankfully, many car insurance policies can cover flat tires, so that you don’t have to break the bank when trouble strikes. It’s important to look over your policy and make sure that you’re covered in case of a flat; while some policies include tire damage automatically, others require an additional rider to be taken out. By making sure that you have adequate coverage ahead of time, you’ll thank yourself later if ever you find yourself stuck on the side of the road!
Paint Scratches
Although accidents in the form of vehicular damage are generally what people think of when it comes to car insurance, there are other options that can provide relief. Paint scratches, while usually not resulting from a collision, can be covered by some auto policies. This often-overlooked but important coverage is available for typically low costs and can save car owners from having to pay out of pocket to repair minor damage. The coverage may even include protection from bad weather and road debris. Though most drivers will hope to never need it, paint scratch insurance is an affordable way to save hassle down the line for car owners who want additional peace of mind.
Car damages are never fun, but they’re especially frustrating when it’s not your fault. If you find yourself the victim of a hit and run or other act of vandalism, there are a few things you can do to get your car back in shape. Start by assessing the damage and taking care of any immediate hazards like flat tires or broken glass. Then, make an insurance claim and file a police report if necessary. Once that’s all taken care of, you can focus on fixing up your ride.
By Lizzie Weakley
who is a freelance writer from Columbus, Ohio. In her free time, she enjoys the outdoors and walks in the park with her husky, Snowball.
Member since August, 2019
View all the articles of Lizzie Weakley.
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