When you get behind the wheel of your car, you may have every confidence of driving safely and getting home with your car intact. However, you have no idea of how other drivers on the roadways will act and whether or not they will involve you in an accident.
You may also want to protect yourself if or when you need roadside assistance like a tow from an accident scene. You may get all of the coverage you need when you invest in an auto insurance policy for your car.
Body Damage Repairs
When you take to the highways and interstates during the fall months, you may find yourself watching out for big game like deer and turkey. These creatures can jump or fly out in front of your car at a moment's notice and cause serious damage to your car's body.
If you hit a deer, turkey, or other animal, chances are you will need some sort of repairs to your front end, if not other parts of the vehicle's body. When you have a full coverage auto insurance policy on your vehicle, you may get most or all of the repairs covered through your insurer after you pay your deductible. You may avoid having to pay thousands of dollars out of your own pocket for auto body repairs.
Further, if you cause an accident with another driver, you are legally responsible to pay for that person's vehicle repairs, medical costs, and other expenses resulting from the wreck. Alternatively, if an uninsured driver involves you in a wreck, you may have to rely on your own auto insurance policy to pay for your wreck-related costs.
Rather than pay for any of these costs out of your own bank account, you can make claims against your auto insurance policy. Your auto insurance claims agent can assess the damages, write a check for any car repairs covered under the policy and likewise approve coverage for expenses like lost income or medical bills.
Finally, your auto insurance may provide coverage for roadside assistance. If you need a tow or another service covered under this part of your auto insurance, you can call the auto insurance company to make a roadside assistance claim.
Auto insurance may cover most or all of your expenses related to car body damage after hitting an animal like a deer. Your policy may also pay for your accident-related expenses and cover roadside assistance like a tow.