Connecticut weather has a way of keeping drivers on their toes. One month, it’s summer thunderstorms; the next, it’s ice storms or heavy winds that leave branches and debris scattered everywhere. While most people think of auto insurance in terms of collisions, many forget that nature can do just as much damage to a vehicle as another driver can. That’s where understanding how your policy through Brent Young Agency LLC, serving Manchester, CT, handles natural events matters.
What Comprehensive Coverage Does
When it comes to weather-related damage, the key part of your auto policy is comprehensive coverage. It’s what protects your car from noncollision incidents: everything from falling trees and hail to floods, fire, and vandalism. If lightning strikes your car, a branch dents your hood, or a windstorm sends debris flying, comprehensive coverage helps pay for repairs or replacement. It’s optional in Connecticut, but for most drivers, it’s essential given the state’s unpredictable mix of coastal storms and harsh winters.
Less Common, but Costly Events
While earthquakes are rare in Connecticut, they’re still possible. In most cases, damage from ground movement isn’t covered under a standard auto policy unless you have comprehensive protection. The same goes for floods caused by severe rain or melting snow, events that have become more frequent in recent years. Without that extra layer of coverage, those repairs come straight out of your pocket.
Make Sure You’re Fully Protected
Before the next nor’easter or summer storm rolls through, take a minute to review your policy. Check your deductible and confirm whether comprehensive coverage is included. If your vehicle is financed or leased, comprehensive coverage is usually required. But even if your vehicle is paid off, it’s still smart protection.
Natural events may be out of your control, but preparing for them isn’t. The right coverage keeps you from paying the price when Mother Nature gets unpredictable. Brent Young Agency LLC, serving Manchester, CT, can help. Contact us to book an appointment.
