When Hurricane Harvey bulldozed through Houston, Texas, in the latter days of August and the early days of September 2017, it left in its wake a heartbreaking amount of property damage.
Homes suffered irreparable damage in most instances. Animals were displaced from their homes, many never returning to their owners. Cars were overturned and gutted by the harsh winds and rain of the thunderous, unforgiving cyclone. Vehicle damage was so bad in fact that it’s believed the hurricane caused the worst damage to vehicles than any other before it.
Do you think the residents stood any chance of recouping their investments in their vehicles through their auto insurance policies? By all accounts, the answer is sadly a resounding no.
While many had auto insurance, they didn’t have the right kind of coverage that’s necessary to protect them against damage caused by natural disasters. Without that key ingredient, they couldn’t make any claims to their insurance companies against their vehicles that would ensure they received monies to compensate for the loss.
Don’t let that happen to you. No one ever thinks they’ll be in a situation such as a natural disaster where their prized belongings will be lost, until they are and unfortunately by then it’s too late, as it was for the good people of Houston.
Getting the right kind of coverage to avoid the foregoing is one thing you should ask about with your insurance agent. There are a few other things to make sure you look for as well.
Get Comprehensive Coverage
Comprehensive coverage, also known as other than collision coverage, is the type of coverage you want to add to your policy to protect against damages suffered from natural disasters and any kind of cause that’s not related to another motor vehicle; for example, if you accidentally hit a deer and get your vehicle banged up, comprehensive coverage would be what you’d want to have to cover the cost of the damages. The name is apropos since it conveys the meaning of a broadness or an extensiveness in scope of your insurance policy, one that isn’t so limited. Consumers who had this complete coverage could rest a bit easier knowing they could file a claim and expect to be duly compensated. If you have questions about comprehensive coverage, in addition to asking your insurance agent, you can always ask a car accident attorney, who can give you solid advice as well.
See What Others Are Saying First
Most people will focus solely on price when deciding on which insurance to buy. It’s understandable to a certain degree, since they’ve already shelled out more than they probably wanted to on the car itself and they’re spending more than they’d like still on gas and incidentals every month. Nevertheless, auto insurance isn’t where you want to skimp. That strategy will hurt you in the long run. People who’ve put price first and responded to catchy ads on TV that focus on that in order to lure them in have discovered the painful way that their coverage frequently is denied, much to their chagrin. Rather than making price the most important criterion, it’s better to see what other insured drivers have to say about an auto insurer. If you check insurance reviews first, you’ll learn a lot. You might discover that one insurer has far fewer complaints against it than other. You might be compelled to rethink a decision if you see that your pending choice has a bad track record when it comes to its payment history.
Price isn’t the most important factor to consider when purchasing insurance, but it is still a major factor. Don’t rush to decide on an insurance company. It’s much too valuable. Take your time to evaluate costs across the board. Compare prices and ask the insurance agents as many questions as possible to try to see where the true value really lies. If you do this, you could end up saving as much as over $1,000. Insurance companies weigh all kinds of personal data to determine your premium—credit score, driving record, etc.—so what one charges may be vastly different from what another charges.
Make your search for the best auto insurance far less daunting than what you’ve heard. Remember to do a price comparison to get the best deal but make finding the insurance company that has the best payment history more of a priority so that you’re not disappointed when you need to file a claim and coverage is rejected.