If you are already holding an automobile insurance policy for your vehicle in the Buffalo, Minnesota area, you may be wondering if you have the coverage that you actually need. With the bitter cold winters that we have here, which include hailstorms quite frequently, having a windshield cracked due to hail is pretty common. In fact, cracked or broken windshields are pretty common in general. Since it is one of the most common vehicle repairs, many automobile insurance policy holders decide to include windshield coverage in their car policies. Whether you are planning your next trip to fish in the waters of Lake Pulaski and Buffalo Lake, or you are driving to the many local antique shops, make sure that you are driving safely by having the following policy coverage.
The types of car insurance that are typically included in an auto policy include the following:
Liability Coverage: This covers you in case you accidentally cause harm to another person and/or another vehicle when you are on the road. Liability coverage would include the windshields of other people’s vehicles, but would include no part of your own vehicle.
Comprehensive Coverage: Comprehensive coverage is that which takes care of damage caused by nearly anything that isn’t an accident. It can include damage from animals, damage from acts of God like hailstorms, and can also provide coverage for replacement due to theft.
Collision Coverage: Collision coverage is that which pays for damages caused to your car, even if you were the one who caused the accident. Collision coverage may include windshields, but that is only because windshields are often shattered or severely damaged during an accident.
It is important that you talk to your agent about windshield coverage if you want to be covered for instances other than collision. Independent agencies like Hanneken Insurance can give you quotes from multiple major insurance providers at once. Use our live comparison quote tool or call us today to make sure you have the coverage you need!