The 3 Most Common Comprehensive Insurance Claims

Comprehensive coverage is an optional type of auto insurance available for Montgomery County, PA drivers that protects you in the event that your car is damaged during a non-collision related event. Unlike other types of car insurance, comprehensive coverage isn’t required for you to legally drive in Pennsylvania. But that doesn’t mean it isn’t worth having. Comprehensive coverage provides some important protections for your vehicle you don’t get under a standard car insurance policy. Some of the most common comprehensive coverage claims seen by auto insurance companies in Richboro, PA and beyond include:

• Cracked windshields. By far, the most common comprehensive car insurance claim seen in the United States is for cracked windshields. A windshield can crack due to a number of factors, ranging from falling hail during a storm to pebbles thrown off a larger vehicle on the road. Even a minor crack can turn into a serious safety hazard, which makes comprehensive insurance an asset. To lessen your chances of suffering a cracked windshield, make sure to keep a safe distance behind other vehicles on the road and be mindful of where you park your vehicle.
• Hail damage. Hailstorms can cause cracked windshields, chipped paint, and damage to windows. In severe hail, you might even see dents and cracks on the hood or body of your vehicle. Most comprehensive coverage policies cover hail damage. If you don’t have a comprehensive policy, you can still take a few steps to protect your vehicle from hail. If possible, avoid driving when hail is falling, and park your car under coverage or in an indoor garage to protect it.  
• Vandalism. Vandalism is another of the most common comprehensive claims. Vandalism can include everything from break-ins to spray-painting damage, and even sugar poured in your gasoline tank. To prevent vandalism, park your car in well-lit areas and park inside locked, covered garages whenever possible.

Do you have the auto insurance you need to protect your vehicle — and your family? If not, The Bachmann-Zeitlin Insurance Agency can help you get covered! Give us a call today at 267-288-5193 to learn more about policy choices.