Auto Insurance: Unseen Benefits

Auto insurance is indispensable for vehicle protection. While you’re aware it comes to the rescue in the event of an accident, your policy may cover a multitude of other unforeseen issues. Keep in mind that policies may differ; hence, it is recommended that you consult with your insurance representative at Runnels Insurance in Brandon, FL, for further clarification.

Animal Damage

The state of Florida is populated with a variety of animals, both wild and domestic ones. Potential vehicle damage may arise from rodents nibbling on the wires and upholstery, raccoons or even naughty pranks done by your household pets. Consult with your representative to ensure your auto insurance policy covers animal-inflicted vehicle damage.

Lost Wages

A bare minimum of $10,000 in Florida is mandated for PIP coverage. But are you aware that this can also cover up to 60% of lost wages due to an injury resulting from a vehicular accident? Remember that this benefit may have an upper limit, so make sure to refer to your policy terms.

Weather Damage

Considering Florida’s constant weather changes, it’s crucial to ensure your policy covers possible damages caused by storms, falling trees or branches, hail storms, and even tornadoes.

Pothole and Sinkhole Damage

Given Florida’s predominantly limestone bedrock, occurrences of potholes and sinkholes are relatively common. These encounters may cause significant damage, ranging from suspension, bent tire rims, and alignment issues. In the extreme case of a sinkhole, it may even swallow your car! By having collision coverage in place, the repair costs due to pothole damage and sinkhole losses might be covered, depending on the terms of your specific policy.

For a thorough understanding of your specific auto insurance policy, feel free to consult with your insurance company representative at Runnels Insurance in Brandon, FL, who will gladly answer all your inquiries!