Your vehicle is likely one of the most expensive assets you possess, and it’s also uniquely vulnerable to damage. A comprehensive auto insurance policy protects your car from dangerous road conditions, accidents, and other unforeseen events that may result in thousands of dollars in repairs and medical bills. Below are a few of the most common situations in which you should consider filing a claim against your policy.

When to File an Auto Insurance Claim

1. You’ve Been Hit By Another Driver

If you’re hurt due to another driver’s negligence, their insurance company should pay for your injuries and vehicle damage. However, if your policy includes collision coverage, another option is to file a claim against your insurer, who will then seek compensation from the other company.

2. You’ve Caused an Accident

If you make a mistake and cause an accident, your liability coverage should pay for any injuries and damage to the other vehicle. Fortunately, the collision coverage will also pay to repair your car, regardless of who was at fault for the incident.

3. You’ve Been Hit by an Uninsured Motorist

Some people don’t carry the state’s mandatory minimum amount of auto insurance. As such, you won’t be able to easily receive compensation for medical and repair bills after an accident. An uninsured motorist policy protects against damages caused by someone who doesn’t have sufficient coverage to span your losses.

Even if you’re a defensive driver, accidents happen. A comprehensive auto insurance policy provides peace of mind in any situation. For over 30 years, C.I.S. - Crop Insurance Solutions, LLC, has been the leading independent agency in Dumas, TX, offering a variety of high-quality policies from several of the industry’s top carriers. To make an appointment and request a free quote, visit their website or call their offices at (806) 935-6512.