BY Evertree Insurance
When most people think about car insurance, the usual scenarios come to mind: fender benders, theft, or maybe a cracked windshield. But your policy might be doing more heavy lifting than you realize. Good coverage should be more than just a safety net—it should be a source of confidence in the unexpected moments, too.
Here are five surprising ways your car insurance might be protecting you already.
1. Weather Damage Beyond the Basics
A passing hailstorm, flash flood, or even a falling tree branch during a windstorm—these aren’t just freak occurrences. They’re the kind of real-life surprises that comprehensive coverage was designed for. If your vehicle takes a hit from severe weather, there’s a good chance you’re already covered.
2. Vandalism and Malicious Mischief
Whether it's a broken mirror, keyed paint, or other intentional damage, it can feel frustrating and personal. But comprehensive insurance can step in here too, helping you repair your vehicle without shouldering the full cost on your own.
3. Collisions with Wildlife
If you live in an area where deer, raccoons, or even stray pets are part of the landscape, you know how quickly a drive can turn into an accident. Many auto insurance policies include animal-related damage under comprehensive coverage—so you’re not left stranded if the unexpected crosses your path.
4. Falling Objects
Tree limbs, construction debris, or even a baseball from the neighbor’s yard—falling objects can do serious damage. If your car is struck while parked, comprehensive coverage may help cover the repairs.
5. Stolen Personal Items
While your auto insurance typically covers damage to the car, certain policies may help with belongings stolen from your vehicle, like a backpack or laptop. You may also be able to bundle this protection with your renters or homeowners insurance for full peace of mind.
Let’s Make Sure You’re Covered Where It Counts
Your life isn’t one-size-fits-all so your insurance shouldn’t be either. At Evertree, we’re here to help you understand your coverage, fill in any gaps, and make sure your policy works just as hard as you do.
Not sure what’s included in your current plan? Let’s talk. We’ll help you review your policy and find the right protection for the road ahead.
Call us at (800) 257-6041 or START A QUOTE - and drive with confidence, knowing your protected!