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4 Reasons People File Auto Insurance Claims
Jul 15, 2022
All drivers must have auto insurance to protect themselves and their vehicles. While you hope that you never have to file a claim, having the right coverage in place ensures you can access essential funds for repairs and other expenses. Here are a few reasons why drivers commonly file claims, and how the right policy can help you.
What Are the Most Common Car Insurance Claims?
1. Theft or Vandalism
Along with collisions, many drivers file claims after their vehicles have fallen victim to non-collision events. Theft and vandalism pose a major risk to your car, especially if it's considered a total loss. Comprehensive insurance covers non-collision events, including damage caused by criminals as they attempt to steal your vehicle.
2. Fender Benders
Fender benders often occur in parking lots, where numerous vehicles are all vying for the same spots. If you return to your car and find that it's been damaged by a hit and run, it may be impossible to track down the other driver to get their insurance info. Fortunately, a collision policy pays for damage, regardless of who was at fault.
3. Whiplash and Other Injuries
In the event you are responsible for an accident that results in injuries, liability coverage is a must to protect you. Liability insurance will pay for the other party's medical costs and lost wages. It can also provide you with funds if you're subject to a lawsuit. Keep in mind that litigation can get very expensive very quickly, and you'll be on the hook for any expenses if you don't have the proper coverage.
4. Weather Damage
Much like incidents of theft and vandalism, weather damage is covered by comprehensive insurance policies. Many weather events can harm your vehicle, such as large pieces of hail capable of causing body damage. High winds can also cause a tree branch to break and land on your car, which can affect multiple areas at once. Weather damage is often expensive to repair, so you must have the right type of insurance protection.
Your vehicle is a major investment, and a quality auto insurance policy can protect it. With a reputation for excellence throughout Clarksville, AR, Phil Taylor Insurance Agency
can help you find the most suitable policy for your needs. These insurance agents are known for finding the best policies at the most affordable prices to keep your budget on the right track. They also provide exemplary customer care, whether you have questions or are filing a claim. Learn more about their auto policies by visiting the website, or call (479) 754-2616
to schedule a consultation with a knowledgeable representative.
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