What Non Collision Events Are Covered Under Your Auto Insurance?

You’re headed down I-81 or Route 460 in the winter, and a deer jumps out in front of your car before you can stop. Maybe you’re driving down a local road when a tree branch crashes onto your vehicle during a storm.

Hopefully, none of this happens to you. But it’s important to understand whether these events are covered under your current insurance policy.

At Dove Insurance Agency, our Family of Independent Agents can help you determine whether your  vehicle is adequately covered. In the meantime, here’s some valuable information about non-collision events and car insurance.

What Does Collision Cover?

Collision coverage pays for costly repairs if you get into an accident. Such as hitting another vehicle or running into a ditch.

However, collision doesn’t cover damage due to rain, fire, flood, glass breakage, or theft.

Comprehensive Coverage for “Everything Else”

Comprehensive insurance, also called Other Than Collision, is the “everything else” bucket for damage to your vehicle.

So, if a tree limb hits your car, a rock slide buries it, or a hail storm damages your hood – you need comprehensive coverage. If you come out of your home, workplace, or shopping center to find your vehicle missing, your comprehensive coverage kicks in. This coverage saves you from significant financial loss in case of these and similar events.

Also included are Acts of God, which in terms of insurance coverage, includes damage due to floods, fire, and storm debris.

What Insurance Is Required in Virginia?

Virginia law doesn’t require comprehensive coverage, but the following insurance is required:

  • Bodily injury and uninsured/underinsured motorist coverage
  • Property damage and uninsured property damage

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke