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Because insurance coverage can be a confusing topic, many drivers are unsure if they'll be covered under various circumstances. Questions about weather-related damage are particularly prevalent during the winter. To help you understand the details of auto insurance coverage, Kalita Agency, the premier auto, life, and homeowners insurance agency in Watertown, CT, explains whether your car policy covers weather-related issues and what types of coverage are needed.

Liability Insurance: When Others Are at Fault

Auto insurance in Watertown, CTConnecticut is an at-fault state, meaning the insurer of the at-fault driver pays for repairs. If your vehicle sustains damage during a collision that occurs due to wet, snowy, or icy roads, the other driver's insurance company will pay for damage to your vehicle if you are not the one at fault. However, you will pay if you are at fault. If they are at fault and uninsured, you'll need a backup plan, called "uninsured motorist coverage,” as part of your policy to be reimbursed for damages.

Collision Coverage: Damage While Driving

In a single-car accident, you are protected by your own "collision" coverage unless your insurer excludes payment for accidents that occur due to negligence or unsafe driving. For example, should you hit an icy patch, slide off the road, and crash into a ditch, your insurer should pay for repairs unless you are found to have been driving much too fast for conditions and your auto insurance policy excludes coverage for negligence.

Comprehensive Coverage: Other Weather Damage

Most noncollision weather-related damage requires "comprehensive" coverage. This pays to repair your vehicle should, for example, high winds topple a tree branch onto the roof of your car. Comprehensive coverage also covers flooding, so, if rain comes through the crushed roof and soaks your car's interior, your policy should pay to repair the water damage, as well.

Kalita Agency is the most trusted seller of auto, life, and homeowners insurance in Watertown. Their experienced agents can help you choose the right auto insurance coverage to protect you in the event of any weather-based damage. Visit their website for office hours and directions, or call (860) 274-8882 to discuss your needs with a friendly expert.

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