Be Prepared to Deal with an Accident

If you are ever involved in an automobile accident, one way to minimize the stress and anxiety you suffer is to be familiar with your insurance coverage.

Comprehensive Coverage (Auto)
Collision Coverage (Auto)
Towing and Labor

Comprehensive Coverage (Auto)
Comprehensive covers all direct and accidental loss to a covered auto or an auto damaged by an insured, including its equipment, which is not caused by collision or upset. Other motor vehicles or trailers may also be covered. Coverage usually includes damage from:

• contact with a bird or animal
• falling or flying objects
• theft
• fire
• windstorm
• water or flood
• vandalism
• riot or civil commotion
• breakage of glass
• explosion or earthquake

Collision Coverage (Auto)
Collision coverage provides protection for damage caused by collision or upset. Collisions include an auto hitting such things as:

• another vehicle
• a stationary object
• a parked car

Towing and Labor
An optional coverage for additional premium.
Towing and labor charges may be covered if the insured vehicle is disabled. Situations that may be included here is disablement due to flat tires, frozen fuel line, accident, fire, flood, faulty electrical system, transmission problem, or any other mechanical problem. Only labor costs at the place where the vehicle is disabled would be covered. The cost of the faulty part probably would not be covered.