Fortunately, auto insurance covers many situations and circumstances ranging from personal injuries and damage to other people’s property, as well as damage to your own property. Although most states require drivers to carry auto liability insurance, there are other forms of auto insurance that cover a wide range of other circumstances and situations.
Our Bay Area, CA team at Wai Cheng Insurance Inc. is committed to helping California drivers get the insurance coverage they need.
Will my auto insurance cover the damage from the tree that fell on my car?
As a California driver, you are required by law to carry the state minimum auto liability insurance coverage. However, this coverage only covers damage or personal injuries you may cause to others. It doesn’t cover any damage to your vehicle, your injuries, or any non-moving incidents that may cause damage to your vehicle.
However, there are other forms of auto insurance that cover all of these situations. Any damage your vehicle may receive as a result of poor weather conditions, falling branches or limbs, or any number of non-moving situations or accidents is covered by comprehensive auto insurance. This is the only kind of auto insurance that will cover any incident that involves damage as a result of a natural disaster, vandalism, or theft.
Other Forms of Coverage
Comprehensive insurance coverage provides protection from accidents and damage caused by non-moving accidents and circumstances, meaning incidents that happen while your vehicle isn’t being driven. Collision coverage covers the repair or replacement of your vehicle if it is damaged in a car accident.
Looking for Insurance in Bay Area, CA?
If you have more questions regarding auto insurance and what’s covered, call us at Wai Cheng Insurance Inc. We’d be happy to help you explore your options and answer all of your questions.