No one expects to be in a car accident, but when the unexpected happens, it’s crucial to know the steps to protect yourself. Understanding your auto insurance policy is the first and most essential step to take before an accident even occurs. Here’s what you need to know:

Understand Your Insurance Policy

Your auto insurance policy is your financial safety net, but many people don’t fully understand the coverage they’re paying for. Take the time to review your policy thoroughly before you’re in an accident. Knowing the specifics can save you a lot of stress and financial hardship down the road.

Types of Auto Insurance:

  • Collision Insurance

Collision coverage is designed to cover your vehicle and the other party’s vehicle in the event of an accident. It also extends to damage you may cause with stationary objects, such as a mailbox, lamppost, or even a large tree limb in the road. Keep in mind, however, that rental car coverage is not included with collision insurance—it’s a separate addition to your policy.

  • Comprehensive Insurance

Comprehensive insurance covers damage resulting from acts of nature. This includes hitting an animal, damage caused by a tree limb falling onto your vehicle, or damage from a hailstorm. It’s coverage for incidents outside of your control, ensuring you’re not left paying out of pocket for weather or wildlife-related damage.

  • Liability Insurance

Liability insurance is the most basic form of coverage and only pays for damage to the other party’s vehicle if you’re at fault. While it’s often the least expensive option, it can be a risk if you only have liability coverage, especially with newer vehicles. For older cars, liability makes sense, but for newer models, the lack of coverage could be costly.

Be Prepared

Before an accident happens, ensure that you fully understand what your policy covers, what it doesn’t, and where you may need to add additional coverage like rental insurance. Having the right insurance is the best way to protect yourself when the unexpected occurs.

At Harrisonburg Collision Center, we recommend reviewing and updating your coverage as needed. That way, if the worst happens, you’ll have peace of mind knowing you’re prepared and protected. We know that damage to your vehicle is stressful. We can help you through the process from start to finish.

Stay safe out there! For more information or assistance with your vehicle after an accident, contact Joe “The Collision Pro” and his team at Harrisonburg Collision Center- a division of Harrisonburg Auto Mall.

Listen to Joe talk with Mike Schikman here.