Arkansas doesn’t require drivers to carry collision or comprehensive coverage — just liability. Many drivers take advantage of this and get only the insurance coverage that’s legally mandated. However, if you’re a driver in northwest Arkansas, you should take another look at getting collision and comprehensive from a company like Adams Insurance & Financial in Fayetteville. Those coverages are specifically meant to protect you against financial surprises should you be involved in an accident that’s not covered by liability.
When There Is No Other Driver
Most people think of car accidents as the type where one car hits another, and two drivers are involved. If the accident is your fault, your liability insurance covers the other person’s car; if it’s the other driver’s fault, their liability insurance covers your vehicle. Accidents can also happen when there is only one driver. Maybe you parked too close to a wall and opened your car door only to slam it into brick or concrete; liability won’t cover that damage. Perhaps a storm blows a random tree branch onto your car; liability won’t cover that, either.
Here’s a fun fact about liability insurance: If you cause an accident, liability pays for repairs to the other person’s car. But it doesn’t pay for repairs to your car. That’s where collision and comprehensive come in. Collision will pay for repairs to your vehicle if you’re at fault in that accident. Collision will also pay for repairs if you slam your door into that wall.
What about that tree branch? Comprehensive pays for repairs from that accident. Rock hit your windshield? That’s something for comprehensive insurance, too. Without collision and comprehensive, you’re in for a hefty repair bill that comes right out of your pocket.
Contact Our Insurance Agents Today
Drivers in northwest Arkansas who need more insurance can call our agents at Adams Insurance & Financial in Fayetteville. Don’t wait until something happens to find out just how expensive repairs can be. Get the coverage you need to protect your financial well-being.
