Most drivers in Scotia, NY, understand the need for liability auto insurance, but comprehensive auto coverage is often overlooked or misunderstood. Many people assume it’s just an expensive add-on, but comprehensive coverage from Rowledge & Falvo Insurance Agency actually protects against some of the most common and costly vehicle damages that can happen when you’re not even driving.
Protection Against Natural Disasters and Weather
Comprehensive coverage handles damage from Mother Nature’s worst moments. This includes hail damage that can dent your entire vehicle in minutes, flooding that can total your car, and wind damage from severe storms. It also covers damage from falling trees, whether during a storm or just from an old tree finally giving way. Without comprehensive coverage, you’d pay for all these repairs yourself, which can quickly add up to thousands of dollars.
Theft and Vandalism Coverage
Your vehicle faces risks even when it’s parked safely. Comprehensive coverage protects against theft of your entire vehicle or just parts of it, like catalytic converters or expensive wheels. It also covers vandalism, whether someone keys your car, breaks windows, or causes other malicious damage. Even something as simple as a shopping cart rolling into your car in a parking lot falls under comprehensive coverage.
Animal Collisions and Other Unexpected Events
Hitting a deer or other wildlife is surprisingly common, and the damage can be extensive. Comprehensive coverage handles these animal collisions, along with other unexpected events like fire damage or even riots. It’s essentially your protection against everything that’s not a collision with another vehicle or a stationary object while driving.
For complete protection of your vehicle, contact Rowledge & Falvo Insurance Agency, serving Scotia, NY and the surrounding area, to add comprehensive coverage to your auto policy today.
