If you’re like most drivers who have car insurance you also want to know what your Central Oregon Car Insurance actually covers because in the event of a car accident or injury you want to know how your car insurance protects you when you need to use it.
In this article, we will provide you with a breakdown of what your Central Oregon Car Insurance covers so you can be better prepared for the next time you get behind the wheel.
What Central Oregon Car Insurance Covers
Hail damage? Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail.
Pothole damage? Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes.
Windshield damage? Your insurance may be able to help if you have comprehensive or full glass coverage. These coverages may help pay for the costs of repairing or replacing your windshield.
Tree damage? If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn’t exceed your car’s worth.
Hitting a deer? Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage.
Squirrel damage? If a squirrel chews on your car’s wiring, comprehensive coverage may help pay for repairs.
A hit-and-run? Auto insurance may help protect you if you’ve been hurt or your car has been damaged in a hit-and-run. Collision coverage may help pay for car repairs after a hit-and-run. Uninsured and underinsured motorist coverage and medical payments coverage may help cover your medical bills after a hit-and-run.
Catalytic converter theft? Typically, comprehensive coverage may help cover the theft of car parts.
A stolen car? Comprehensive coverage typically helps cover losses such as theft. In the event your car is stolen, call the police and file a report, notify your insurance company after you’ve filed the report and if your car is leased or financed you should notify the lender.
A friend wrecking my car? If your friend was involved in a wreck while driving your car, typically your insurance policy (not his) would likely be tapped to pay for damage or injury costs resulting from the accident. However, the way this plays out depends on the specific coverages and limits of your insurance policy.
Keep in mind that the coverage you may receive will depend on the type of auto policy you have. In the event of an accident, note that you may be required to pay a deductible in order for your coverage to fully kick in.
Get Central Oregon Car Insurance Here
For affordable Central Oregon Car Insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.