Geysers, Grizzlies and Granite Boulders — Auto Insurance for Your Big Adventure

Many people plan big adventures. For example, maybe a road trip to Yellowstone National Park has been on your bucket list forever, and this is the year you’re finally going to do it. You’ve got it all planned out — your guidebooks, hiking gear, sunscreen, binoculars and lots of snacks for the drive. But there’s one more item to check off your travel-prep list: auto insurance to protect you on the road. Let’s drill down on how the right coverage could make sure your dream trip doesn’t turn into a nightmare.

Collision Coverage

Surrounded by majestic mountains and magnificent valleys, you feel like everything’s right in the world when you finally enter the park — that is, until a grizzly bear wanders onto the road in front of you! You swerve and miss Yogi, but your evasive maneuver unfortunately puts you on a collision course with a 20-ton granite boulder. Luckily no one’s hurt, but you wonder — am I covered for this?

Fortunately, with collision insurance, you can get your dent repaired without putting too big of a dent in your wallet. Collision covers instances where your car interacts with other objects — including trees, a big rock, or another car — while you’re driving. So when an accident occurs, collision insurance is there to help pay for the damage to your vehicle and get you out of the woods (so to speak).

Comprehensive Coverage

One of the biggest draws at Yellowstone is Old Faithful, the natural geyser that erupts so regularly you can almost set your watch by it. More than 4 million people visit Old Faithful annually, so you feel like a parking hero when you find a great spot just off the beaten path. But on the way back to your car, you see the faded sign you missed on the way in — Danger! Active Geysers! That surging spout has just turned your Wagoneer into a water feature. But you’ve got collision insurance and if it saved you from the boulder blunder, it should also cover a little geyser glitch, right?

Wrong. Collision insurance won’t help you with this one! You need comprehensive insurance when objects — like a geyser — interact with your car while it’s stationary. This type of coverage provides protection in the event of non-crash-related incidents, whether it’s a rock that rolls down a mountain, a tree falling in a storm, or a crazed elk that attacks your passenger door. Comprehensive also covers things like theft, storm damage, vandalism, or lightning strikes — each of which can potentially rack up a big repair bill.

We Insure Your Grand Adventures

Just like Old Faithful, your auto insurance should be there for you when you need it most. And similar to the clockwork-like dependability of America’s most famous geyser, you can count on your local We Insure agent to help you find the right policy at the best price. And they’ll be there to help should you ever need to file a claim. Whether your plans take you to Yellowstone, Yosemite, or Youngstown — We Insure has you covered.

Source

 https://www.forbes.com/advisor/car-insurance/comprehensive-vs-collision-auto-insurance/