Water and Cars Do NOT Mix

This weekend I received one of those heart wrenching calls from a client that I hate to receive. My client had experienced a traumatic accident. She and her sister had gotten trapped in her car in fast rising flood water and barely was able to swim out to safety. Soon afterwards she called me to inform me of the distressing experience she just had and to ask me what her insurance would cover. This is where the story takes another unfortunate turn for her. Just a few weeks ago my client reduced her auto coverage to having the simplest coverage available -liability only. Unfortunately, she no longer had the coverage she needed to help pay for the damages from this incident. As much as I wanted to…I couldn’t help her.

Why am I telling you this story? My agency has a motto “protecting your life is our business”. As much as I hated not being able to help my client, she was equally frustrated and upset at her decision to reduce the amount of protection she had. I’m confident that when we she gets another auto to insure and we revisit her coverage options, our conversation will be a little different.

So what coverage could she have had that would have helped her?

Comprehensive (or Other Than Collision)

• Pays for damage to your car caused by events other than collision, less the deductible you select.
• Includes damage from causes such as fire, vandalism, windstorm, sandstorm, falling objects, animals, water or flood and theft.
• If your car is stolen, coverage pays for transportation expenses.

If you want a free review of the coverages you have to be sure you are adequately protected, please email me at kbrown4@farmersagent.com or call me at 469-358-3851