We can’t control what happens to us on the road. We might be the safest driver out there, but one wrong move and WHAM! Our lives are changed forever. Faced with this possibility, we invest in a car insurance package that promises to protect us and our assets. But what happens if we’re involved in a freak accident? Will liability, collision or comprehensive insurance protect us then? To find a car insurance policy that works for you, compare car insurance quotes with CoverHound. We promise to match you with an insurance company that will work with you, not against you.
Insuring Against Freak Accidents—Scenario I
As you’re walking out the door car keys in hand, you feel a pang of guilt leaving your furry friend behind. Those sad, puppy-dog eyes are like a dagger to the heart. You’re just going to the post office—it’ll be quick; he can come along for the ride.
You get yourselves all situated, he’s on leash in the passenger seat and you’ve adjusted all your mirrors. For the first 10 minutes it’s smooth sailing. Then he starts to whine. The puppy begins to paw at you, and tries to crawl into your lap. As you move your arm to block him from crossing, you take your eyes away from the road for five seconds. In that five seconds, you crossed lanes and crashed into an electricity pole, head on. Thank goodness you were wearing your seatbelt, and somehow, miraculously, your dog seems okay too. You’re able to exit your vehicle and call for help, but there’s no way your car is coming out of this unscathed. Is your insurance going to cover this?
If you have collision car insurance, you’re safe. Collision car insurance covers your vehicle if you’ve hit a tree, pole, fence or another car. Unlike liability auto insurance, if you have collision insurance and the accident is deemed your fault (as it would be in the situation above) your insurance will cover the damages.
Insuring Against Freak Accidents—Scenario II
You’re driving down the highway on a beautiful, sunny day. You’re going the speed limit and the roads are clear of traffic as far as the eye can see. There’s only you and a couple of other cars out on the road. Out of nowhere, you start to feel dizzy. It’s as though a cloud of fog has taken residence in your brain.
You come to consciousness minutes later, you hear what sounds like someone screaming far away, and you slowly begin to realize that you’ve been in an accident. The front end of your car is smashed like a tuna can, and it hurts to breathe. What happened? You were driving, when all of a sudden…the paramedics think you had a seizure behind the wall. According to witnesses, you accelerate your speed and hit the person in front of you, making both of your cars spin out of control. With witnesses saying you’re the one at fault, how is your insurance going to cover the damages?
In cases such as this, you would want liability and collision insurance. Liability insurance covers the other driver’s medical and repair costs, while collision coverage covers yours. The Epilepsy Foundation suggests that motorists with medical conditions (such as seizures) invest in a standard auto insurance coverage package. Standard coverage packages often include liability, collision and comprehensive policies.
Insuring Against Freak Accidents—Scenario III
You’re starving. You didn’t have lunch and all you can think about is sinking your teeth into an In N’ Out burger. You take the exit off the freeway and pull into the drive thru. You make your order, and proceed down the queue. You get to the cashier window, and as you’re about to give the attendant your money, you drop it. Foot firmly on the break, you open your car door to retrieve the cash. In trying to reach the money, your foot lets go of the break, and your car veers into the restaurant wall, the car door hitting you hard in the head. It could have been a lot worse. But now you’ve damaged a wall, your car, and it’s almost certain that you have a concussion—you just have to wait until the paramedics arrive. In this situation, what package best suits you?
Like scenario I, a combination of liability and collision insurance will cover your claim. The thing to remember about all of these scenarios though, is that no one insurance package can take care of the cost of all the damages. The Department of Motor Vehicles (DMV) suggests that drivers invest in an umbrella policy, a policy that offers the financial protection available through liability, collision and comprehensive insurance.
You never know when something’s going to happen. All you can do is prepare. Get your insurance quote with CoverHound today.
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