(That You Probably Didn’t Know About)
Most people think of auto insurance as coverage for car accidents-and it is. But depending on your policy, your auto insurance may offer a lot more protection than you realize. From unexpected mishaps to helpful extras, here are five surprising things your policy might already cover:
1. Animal Damage
Squirrels chewing through your wiring? Deer collision? Many comprehensive auto insurance policies cover damage caused by animals-whether it’s a fender-bender involving a deer or a surprise repair bill thanks to critters under the hood.
2. Windshield Repairs
Some insurance plans will pay for repairs (or even full replacements) if your windshield gets chipped or cracked. In some cases, the repair may even be covered without a deductible—so it’s always worth checking before you pay out of pocket.
3. Rental Reimbursement
If your car is in the shop after a covered accident, rental reimbursement coverage helps pay for a rental car while yours is being repaired. It’s not always included automatically, but many people have it and don’t realize it-so check your policy!
4. Roadside Assistance
Flat tire? Dead battery? Locked your keys in the car? Some auto policies include roadside assistance or towing—giving you peace of mind without needing a separate service like AAA. It’s often inexpensive to add, if you don’t already have it.
5. Vandalism or Weather Damage
If your car is vandalized or damaged by severe weather (hail, flooding, falling trees), you may be covered under your comprehensive insurance. It’s not just for accidents—comprehensive covers a wide range of non-collision-related incidents.
Not Sure What You’re Covered For? Let’s Talk.
Auto insurance can do more than you think-but only if your policy is up to date and tailored to your needs. Reach out to your agent to review your coverage and make sure you’re not missing out on valuable protection.