Your monthly car insurance premiums protect you from more than a reckless driver. Although used most often for collisions, vehicle owners may seek compensation for other calamities, saving them out-of-pocket expenses when damage happens from other events. Therefore, should any of the following three events occur, it may be in your best interest to speak with your agent, seeking compensation.

1. Acts of Mother Nature

Thunderstorms and hurricanes wreak havoc on car exteriors. The intense gales pick up objects, hurling them into the metal exterior. Broken glass and dents are undoubtedly possible. It’s a mess and can be expensive to fix. Trees blow down, and lightning strikes. These events are out of your control and are often handled by companies.

Another issue is hard rocks of ice, known as hail. If these pummel down, the outside and inside of the truck become harmed. Speak with your insurer for coverage, and work with specialists in hail storm repair Lakewood CO to regain operational and safety status.

2. Vandalism and Theft

Should someone unlawfully enter, steal or ruin your SUV, insurance companies may assist in the repair or replacement costs. Be sure to file a police report as soon as possible, and snap photos of the devastation.

3. Broken Windshields

As you head down the interstate, trucks ahead may kick up gravel and rocks. While small, these items pick up force as they head toward the windshield. At times, their collision with the glass causes breaks. These may be minute lines or larger holes. 

Usually, the second layer of glass protects you from immediate danger; however, this condition is a hazard. Many states have no-fault laws, encouraging insurance companies to pay for the window’s restoration.

Comprehensive insurance coverage is a safeguarding policy, assisting vehicle owners in handling the more significant bills that come with car servicing. Don’t hesitate to reach out to your agent should something happen. That’s why you pay your monthly bills.