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More Than Just Accidents: What Auto Insurance Really Covers
It’s Not Just About Collisions
When most people think of auto insurance, they immediately imagine car crashes. But did you know that your policy covers much more than accidents? From theft and vandalism to weather damage and medical bills, a good policy goes far beyond just fender benders.
Understanding what your auto insurance actually covers can save you money — and major headaches — in the long run.
Types of Coverage You Might Already Have (and Not Know It)
Here’s a breakdown of what comprehensive auto insurance can include:
1. Liability Coverage
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• Pays for damage you cause to other vehicles or property.
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• Includes medical bills for injured parties in an accident you caused.
2. Collision Coverage
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Covers repairs to your own vehicle after an accident, regardless of fault.
3. Comprehensive Coverage
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Protects against:
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• Theft
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• Vandalism
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• Fire
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• Natural disasters (hail, floods, etc.)
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• Falling objects (like a tree branch!)
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4. Uninsured/Underinsured Motorist Coverage
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Pays for your expenses if the other driver doesn’t have adequate insurance.
5. Personal Injury Protection (PIP)
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Covers medical costs for you and your passengers, no matter who’s at fault.
Common Scenarios You Didn't Realize Were Covered
- A hailstorm damages your car hood while parked — covered under comprehensive.
- Your stereo system is stolen — covered if part of your policy.
- You hit a deer at night — covered under comprehensive.
- You’re sued after an accident — liability coverage kicks in.
- Your stereo system is stolen — covered if part of your policy.
- You hit a deer at night — covered under comprehensive.
- You’re sued after an accident — liability coverage kicks in.
Why It Pays to Review Your Policy
Most people don’t realize what they’re entitled to until it’s too late. Reviewing your policy every 6–12 months ensures you’re getting:
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• The right coverage
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• At the right price
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• With the right deductible
And that’s where Best Choice Insurance can help.
Peace of Mind Behind the Wheel
Accidents happen, but surprises shouldn’t. A strong auto insurance policy gives you financial protection, legal support, and peace of mind — no matter what the road brings.
Ready to review your policy? Talk to a Best Choice Insurance agent today!
