Comprehensive Insurance Coverage Iowa IA
Reader’s Question:
If I hit a deer here in Iowa–by accident, of course–will my auto insurance cover me? I have collision, liability and comprehensive insurance. Which would cover me?
Marcus
Cedar Rapids, IA
Hi there, Marcus. Always be careful when on the road. Hitting a deer on a highway can be very dangerous for you. Even avoiding a frozen scared deer is similarly dangerous. It could cause you to drive off the road or off your lane. Cars that hit wild animals are usually going fast. Of course, it’s always dangerous to the deer.
If you hit a deer, your comprehensive coverage will be the one to take care of the damage. Comprehensive coverage takes care of you when your car gets stolen, vandalized etc. If it gets flooded, you may file a claim. If you find that somebody painted his initials on your car while you were away, be thankful you have comprehensive coverage. Comprehensive coverage includes hitting wild animals. You may need to go through the details of your auto insurance policy just to be sure. Or contact your auto insurance agent in Iowa.
Collision coverage only works if you hit another vehicle. Collision coverage will take care of the repairs of your car. Liability insurance, on the other hand, takes care of the other driver if you get in an accident and you were the one at fault. So, if you were at fault, collision insurance coverage will have your car repaired, while liability insurance coverage will cover the other guy’s damages.
Tags: auto insurance coverage, collision insurance coverage, comprehensive insurance coverage, liability insurance
Car Insurance Cancellation Iowa IA
Reader’s Question:
I’m from Iowa and I recently bought my first car, and insurance for it. Will my car insurance company cancel my coverage if I get involved in an accident within a month?
Brian
Waterloo, IA
Car insurance coverage was designed to protect the vehicle and its passengers from the potential risk of costly expenses for repairs and medical care resulting from unfortunate accidents. Although all states, including Iowa, manage car insurance companies up to a certain extent to protect policyholders, car insurance companies have the prerogative to cancel the coverage of a policyholder at any time within the two months from date of purchase without having to provide any reason for cancellation.
Situations that can merit cancellation can be delinquency or nonpayment of a policyholder’s premium. Car insurance companies can also revoke a customer’s coverage if there was material misrepresentation made by an individual or his representative in acquiring car insurance. Immediate termination is also done if a car insurance company discovers a fraudulent claim under a policy. An insurer may elect revocation of coverage if a policyholder has been involved in a number of accidents regardless of who was responsible for them. They may also cancel a customer’s policy if he or she had received various traffic citations.
For the situations stated, a car insurance company’s cancellation of policy would not be considered in effect until at least a period of ten days after the company sends out the notice. A local agent may call with the information of cancellation. They may also mail or deliver a notice of policy cancellation.
Tags: auto insurance claims, auto insurance coverage, auto insurance premium, traffic violation
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