Check out these 16 Uh-oh scenarios and the auto coverage that apply. Some good knowledge!
1. A dead tree limb falls on your car — Comprehensive.
2. You hit a fallen tree limb — Collision.
3. You accidentally hit a cyclist — Bodily injury liability.
4. Oh dear. You hit a deer — Comprehensive. (Trick question! This is one type of “crash” covered by Comp.)
5. A pesky pebble on the highway majorly cracks your windshield — Comprehensive.
6. Rude. Someone keys your car — Comprehensive.
7. You see that your car’s been dinged by someone’s door in the parking lot — Collision … Wait, why collision? Well, because the damage was caused by another car, some insurers … like Esurance … consider it “collision damage.” After all, their door did collide with your car.
8. Car gets rolled over during a protest — Comprehensive.
9. A bear ransacks your car looking for snacks — Comprehensive.
10 Thanks a lot, Mother Nature. A hailstorm ruins your paint job — Comprehensive.
11. You sneeze while driving and crash into a fence — Property damage liability (for their fence) and Collision (for your car).
12. You hit black ice and roll your car — Collision.
You back out of a parking space and hit a car driving past, injuring the driver — Property damage liability.
13. You have a seizure while driving and rear-end another car — Liability and Collision.
15. What are the chances? Your car is struck by lightning — Comprehensive.
16. Your car is charred in a forest fire – Comprehensive.
