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Gill Insurance Advisors

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Plainfield, IN 46168

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Gill Insurance Advisors Blog

A tree fell on my car. Will my auto insurance cover it?

Explaining the Benefits of Auto Insurance

Auto insurance offers many benefits that can instill peace of mind in drivers. Essentially, auto insurance is bundled coverage designed to help manage unexpected situations that occur on and off the road. However, the degree of your coverage depends on your auto insurance type. Here at Gill Insurance Agency, we’re committed to helping Plainfield, IN drivers understand the numerous benefits linked to auto insurance.

Is Auto Insurance Mandatory?

As drivers, we have various auto insurance options. Still, every state in the US legally demands liability insurance to operate your vehicle. Please note if you’re seeking an auto loan, you might be required to carry more than just liability coverage.

Liability Insurance Coverage

Liability insurance offers protection and compensation if you cause an accident, damage someone else’s property while driving, or injure someone. However, it does not cover your damages, injuries, or property damage.

Understanding Comprehensive or Collision Coverage

Let’s consider a scenario where a tree falls on your parked vehicle—will your auto insurance cover it? If you only have liability insurance, it would not cover the repairs to your car. Comprehensive or collision coverage would be required to cover damages to your vehicle, personal injuries, or property.

Insurance Requirements and Legalities

While liability coverage is the only legally mandated auto insurance coverage, auto lenders typically require you to carry more comprehensive coverage until your car loan is paid. If you have questions about auto insurance coverage, don’t hesitate to reach out. At Gill Insurance Agency, our team is ready to answer your queries and walk you through the process.

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