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Snow on carSometimes, on a busy Monday morning when the interstate clogged with many vehicles whose drivers are rushing to get to their destination, it's easy to see why states require drivers to carry car insurance policies. With as many vehicles as are on the road, and as many different kinds of drivers as there are behind the wheel, accidents are a very real and common occurrence. Having the proper insurance to protect you from the financial damages associated with an accident as well as handling your liabilities to other drivers, passengers, and owners of property, is extremely important. But car accidents aren't the only events that can cause physical damage to vehicles and financial damage to your wallet. Vandals, thieves, and even acts of nature can harm your car so that it needs repairs or to be replaced completely.

Covering Acts of Nature

Your vehicle is generally covered against theft, vandalism, and acts of nature if you have comprehensive coverage. That means that if your vehicle is damaged during an earthquake, tornado, flood or even a snowstorm your car insurance policy likely covers the damages when you have comprehensive coverage. Without this feature, a simple windstorm could send a rock flying through your windshield which could result in an expensive cleanup and repair bill that you must pay completely out-of-pocket.

Do You Have Comprehensive Coverage?

Don’t take for granted that you have this coverage, as it is not required by your state. Instead, read your policy to make sure. As you’re reading, be on the lookout for any exclusions that you need to plan for.  Also, be sure to note your deductible for comprehensive. Remember that car insurance deductibles are per incident—so you need to pay that deductible every time you have a qualifying occurrence of damage. With a too-high deductible, that could be difficult to manage.

No one gets up in the morning and expects to get into a car accident. Likewise, no one expects for an act of nature to cause financial damages that put a strain on their savings. Car insurance is designed to help protect your wallet from the unexpected. By not including comprehensive, you're exposing your vehicle to some very real and potentially expensive damage. If you are ready to take a look at your Tulsa car insurance policy and increase your car insurance coverage so that it includes comprehensive and gives you the kind of protection you actually need, give us a call at (918) 622-7560.
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