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Obtaining auto insurance means taking out a layer of protection for your vehicle.

There are two main forms of coverage. The first covers liability risks. These might include instances when you hit another driver or damage property.

The second is physical damage. It protects against damage to your vehicle (in some situations). If you have damaged headlights, the problem could be an inexpensive fix or a more complex problem. Will insurance help you?

The Type of Insurance Matters

How your policy covers headlight repairs depends on how the headlight sustained damages.

Comprehensive car insurance provides financial protection for vehicle damages from specific types of risks. This includes things like trees falling on the car and theft. This covers accidents that are unavoidable and unintentional.

If you have collision insurance, this is another layer of protection. It covers damage from accidents where you collide into other property, such as a parking lot pole.

Your insurance agent will likely ask you how the damages happened when you file a claim. They will then determine how to compensate you for the damaged headlights.

What Caused the Damage?

Another factor to determine if auto insurance can help you is the cause of the damage.

  • Was the vehicle damaged as a result of an accident with another car? If you caused the accident and have collision liability coverage, the plan should cover repairs. If the other driver caused the accident, that person’s insurance might cover it. However, never assume that another driver has adequate insurance to cover your repairs.
  • What if the other driver doesn’t have car insurance? If you have an underinsured or uninsured policy rider, that can help to cover the losses.
  • Was the vehicle struck by a falling object? If this is the case, your comprehensive auto insurance plan may help cover the losses.
  • Was the vehicle damaged as an act of violence? If so, comprehensive coverage may help.
  • Was the light damaged from poor care and maintenance? In this case, your car insurance is unlikely to provide financial protection to you.

However, it is also important to consider the deductible. If your vehicle’s damage is under the deductible you must first pay, there may be no benefit to filing a claim. If damage is significant, it may be better to file a claim.

To find out if you have coverage, contact your car insurance agent directly. Be sure your policy is complete enough to provide protection to you for all types of risks you may have. If it does not offer protection, turn to another policy for a more advanced option.

We’ve got you covered. Bromell Agency, Inc. can help you get a Shreveport auto insurance policy to meet your needs. Call us at (318) 251-1212 for more information.

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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711 North Vienna Street
Ruston, LA 71720
Office: 318-251-1212
Fax: 318-251-3089

880 Bert Kouns Industrial Loop, St B
Shreveport, LA 71118
Office: 318-687-1222

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