Car Insurance and Water Damage to Engines

Have you ever dealt with water damage to your car engine? If you have then you know it can lead to hydrolocking. This occurs when you’re driving during times of heavy precipitation, wet conditions, or when there’s excess water on the roads.

Water can damage your vehicle as it affects the internal combustion and causes the engine to seize.

If you live in an area that involves a lot of driving near or in water, then this is something you should definitely be preparing for. Here’s what you need to know!

What is Hydrolock Car Insurance?

Hydrolock car insurance is a type of insurance offered for hydrolock engine damage repair costs. These costs can be quite expensive because the damage takes a lot to fix. If your engine becomes hydrolocked because of water then you’ll need more than basic insurance coverage to get the costs taken care of.

Comprehensive car insurance will cover hydrolock damage. This is what you’ll need as a part of your car insurance policy in order to ensure protection.

What Factors Affect Your Insurance Rate?

It’s important to remember there are a lot of factors that can affect your car insurance, such as:

·       Age

·       Gender

·       Location

·       Driving history

·       Coverage type

Does Regular Car Insurance Cover Water Damage to Engines?

Regular or basic car insurance in Longmont only covers situations where you get in an accident with another vehicle. This means coverage for bodily injury and any property damage caused from the accident.

Because your engine doesn’t hydrolock in the event of an accident, regular car insurance doesn’t cover it. Unless you find yourself in a situation where your vehicle crashes into a body of water, which is very unlikely. That’s why it’s so important to look at other coverage in place.

If you have questions or are wondering if your car insurance policy covers water damage to your engine, we’re here to help! Give us a call today to review your policy and get answers to your questions.

What is Medical Payments Coverage and How Does it Work?

We know that medical payments coverage can be a confusing topic for many of our clients. To help clear up any knowledge gaps in this area, let’s discuss what medical payments coverage is and how it works in today’s post! 

What is medical payments coverage?

Medical payments coverage goes by a few different names, including medical expenses coverage or “MedPay,” but they each mean the same thing: insurance coverage for medical bills resulting from an accident–regardless of which driver is at-fault.

In no-fault states (there are 12 of these but Colorado is not one of them), this coverage isn’t available. But for drivers who have this option, it may need to be turned down in writing if they do not want it. 

How does medical payments coverage work?

MedPay coverage works by offering you, or anyone else injured in the collision, with coverage for resulting medical bills. It is especially useful for people whose own medical insurance has a high deductible. 

Medical payments coverage tends to have higher coverage limits and covers a broader range of treatments and services. It can give drivers a lot of peace of mind that they won’t face financial ruin if they, or their passengers, are injured in an auto accident.

It can cover a number of things, including:

  • Emergency room visits
  • Doctor visits
  • X-rays
  • Prescriptions
  • Chiropractic services
  • Surgery

What kind of coverage do I need?

In Colorado, car insurance is legally required with these minimums:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

Although MedPay may not be legally required, it’s beneficial for most drivers and it’s often more affordable than they think! Do you want to talk more about the insurance options that suit your needs and your budget? Give the team at 1st American Insurance Agency a call today to discuss your options!

Does Car Insurance Cover Theft? Here’s What You Need to Know

After you have dealt with the initial aftermath of discovering your vehicle has been broken into, your next question might be, “Does car insurance cover theft?” Today, we’re going to answer that question and how the answer varies depending on vehicle theft or items being taken from your vehicle.

Does Car Insurance Cover Theft if Your Vehicle is Broken Into?

First, let’s talk about what kind of coverage you might have if your car is broken into and your property is taken. 

Car insurance does not, in fact, cover theft if your vehicle is broken into and your property is taken. 

Instead, you would rely on your renters insurance or the personal property insurance on your home insurance policy for this coverage.

Another common question we get about what is covered by car insurance has to do with interior damage. Click here to read Is Interior Damage Covered by Car Insurance?

Does Car Insurance Cover Vehicle Theft?

Let’s say that instead of your property being taken from your vehicle, your entire vehicle was stolen. Will insurance cover the cost of repairing or replacing it?

Yes and no: yes, if you have comprehensive coverage in place, and no if you only have the legally required liability insurance.

This is just one reason comprehensive insurance is encouraged for most drivers. In addition to applying to vehicle theft, it can be used to cover the costs associated with damages from vandalism, storms, falling objects, fires, animal damage, and more. 

If you’re interested in learning more about comprehensive car insurance in Colorado, click here to read 3 Things You Need to Know About Comprehensive Coverage.

Find the Right Auto Coverage for Your Needs

Comprehensive insurance is a great option for most drivers, and for truly full coverage car insurance you will want to combine it with collision insurance. The amount and the type of coverage can vary from driver to driver. But rest assured, 1st American Insurance Agency is here for all of your car insurance needs in Longmont. 

Call us today and we will get started on the right policy for you: 303-774-8810

Is Interior Damage Covered by Car Insurance?

When you think of vehicle damage, a dented bumper or a smashed windshield might come to mind. But what about interior damage? 

If you’re dealing with things like ripped upholstery or damaged speakers, the repair costs can be astronomical. So it’s no wonder one of the most common questions we get from our clients is this: “Is interior damage covered by car insurance?” 

Is interior damage covered by car insurance?

We’re glad you asked! It’s important to understand your car insurance coverage, and it’s especially beneficial if you understand it BEFORE you need to use it. 

Like most types of vehicle damage, coverage for interior damage depends on how the damage occurred as well as what kind of coverage you have in place.

Interior damage from collisions

In the unfortunate event you’re in an accident and the interior of your car sustains damage, there are a few ways insurance could cover the repairs. 

First, if the accident is considered the other driver’s fault, their own insurance could go toward repairing the damage.

But let’s say you’re responsible for the collision. 

In that case, you’ll need collision insurance in place! If you only have the legally required minimum insurance, it won’t include coverage for repairing or replacing your own vehicle after an accident for which you’re at fault.

If you add collision insurance to your policy, it can help cover repairs and replacement from damage sustained in collisions with another vehicle, an object, or if you’re in a single vehicle collision (like a rollover). 

Damage not related to collisions

There are all kinds of ways your vehicle’s interior could get damaged that have nothing to do with an accident! 

All too often, we hear stories of campers who leave their car doors unlocked only to discover their upholstery has been torn to shreds by wildlife. When that happens, will insurance cover the damage?

In that case, you’ll want to have comprehensive coverage on your policy. This insurance applies to damage from non-collision related events, including animal damage like we just mentioned, as well as damage from falling objects, storms, vandalism, and theft. 

What kind of interior damage is covered by auto insurance?

Here are a few examples of interior vehicle damage that could be covered by your comprehensive or collision insurance:

  • Upholstery damage
  • Speaker damage
  • Interior vandalism 
  • Seat damage
  • Dashboard damage
  • Floor and trunk mat damage
  • Steering wheel damage

Are you interested in learning more about the Colorado car insurance options that give you the kind of protection you need for whatever comes your way? Get in touch today: 303-774-8810.

Do I Need Comprehensive Auto Insurance? Here’s How to Tell

It’s a question we get from our clients on a daily basis: Do I need comprehensive auto insurance? To help you answer this question, we like to present you with a number of situations where this additional coverage proves useful.

Before we explore when this insurance comes in handy, let’s discuss some of the basics of comprehensive car insurance.

What is comprehensive auto insurance? 

Comprehensive auto insurance, or comprehensive coverage as it’s often called, is a form of financial protection against a number of unexpected events that could damage your vehicle. 

Like collision insurance or liability insurance, comprehensive coverage was created with specific forms of protection in mind.

When you think of comprehensive coverage, think of coverage for physical damages from things other than collisions. 

Here are some of the events and damages comprehensive auto insurance can cover:

  • Damage from falling objects
  • Theft
  • Vandalism
  • Storm damage
  • Damage from animals

When will comprehensive coverage come in handy?

If you’re still not sure if this coverage is right for you, ask yourself if you could afford the cost of repairing or replacing your vehicle on your own. 

Further, imagine if any of these situations happened to you or your vehicle, and how you would cover the damages:

  • Your car window is smashed by a vandal and the paint is scraped on the doors
  • During a camping trip, a bear gets into your vehicle and damages the interior
  • You return home from a vacation to discover your car has been stolen
  • A large icicle falls on the hood of your car, doing extensive damage

As you can imagine, all of these situations would be costly to cover alone. With the help of comprehensive insurance, you’ll have added financial protection from things other than collisions! 

Click here if you’re interested in learning more about comprehensive motorcycle insurance.

Learn more about comprehensive auto insurance in Longmont

Are you interested in finding out more about comprehensive auto insurance in Longmont and if it’s right for you? We’re here to help! Our team is standing by to help you with all of your insurance needs in Colorado. Email one of our friendly agents today to get started.

Does Auto Insurance Cover Vandalism in Longmont?

Vandalism to a car in Longmont, CO can be done for any number of reasons. In some cases, the damage is intentional while in others, it’s purely accidental. But no matter how it occurs, your car will still need to be fixed. 1st American Insurance Agency wants you to know more about whether this will be covered under your policy. 

Check Your Terms

Vandalism is generally covered under your auto insurance policy, as long as you have extended coverage for it. If you simply have liability for it, then the damage will not be covered.  Vandalism is a crime, which means that the law does require the offending party to pay for the damages.  However, because vandalism is often completed far from the eyes of witnesses or law enforcement officials in Longmont, CO, you may not ever be able to get the justice you’re looking for. 

What You Can Do 

There are a number of ways to protect your car from vandalism. The simple act of finding a garage to park it in it can go a long way toward keeping others away. This may mean paying extra for valet or taking the time to pull into the garage every night. Or you might consider getting a dashcam to ensure that you can at least see who the person is who vandalized your car or how it occurred. 

If you’re concerned over whether your policy covers this particular act, call 1st American Insurance Agency today to find out more about the conditions of your contract. We’re here to help you get a handle on what might happen, and how you can have the right safety net should it occur. You might need to change your policy to ensure that you get what you need, so start the conversation with us today. 

Elective Auto Insurance Coverage

Every state requires drivers to carry a certain amount of liability insurance, with the minimum requirements of coverage being decided by the state. It can be tempting to drop full coverage insurance the moment an auto loan is paid off, but there are incidents that are beyond your control that can put you back to pedestrian status. 1st American Insurance Agency professionals serving the Longmont, CO area can help you decide what risks you may wish to have covered.

Towing and Labor

Even if you can change a tire, there are several things that can halt your drive. As auto technology continues to gain more components, the more things can fail while on the road. Tow trucks can be expensive, often starting at $75 plus $1-2 per mile. One use can more than compensate for the addition of this policy.

Medical Payments

Liability insurance covers any medical expenses of the other vehicle’s passengers, but not the passengers of your car. Medical payment coverage can get you a treatment that requires upfront payment helping avoid unnecessary emergency room visits.

Uninsured/Underinsured Motorist Coverage

Should someone hit you who is uninsured, you will only see financial compensation if they have the means to pay and do not refuse to do so. Even a court order can’t get money from someone who is indigent. This means that you could be in the position to have to pay, upfront, for repairing or replacing your vehicle. Un-/Underinsured protects you from this situation.

State minimum coverage is meant to protect others from accidents caused by you, but there is nothing outside of that to protect you. Contact the professionals at 1st American Insurance Agency, serving the Longmont, CO area, to see if adding one or more of these to your minimum policy will keep you better protected from the things that cautious driving can’t always

3 Things You Need to Know About Comprehensive Coverage

What is comprehensive insurance coverage and why do you need it on your policy? Our team at 1st American Insurance Agency in Longmont, CO has put together a quick guide. Here are three things you need to know about comprehensive coverage.

#1: It Covers Theft and Vandalism of Your Vehicle

Theft or vandalism of your vehicle is usually covered under your comprehensive coverage. That means if your car is stolen and never recovered, you’ll receive the approximate value of the car minus your deductible. If it is found, any damage would be repaired subject to that deductible. But what if your car is just broken into or vandalized? That would be the same as a recovery—you would pay the repair shop your deductible directly and your policy would take care of the rest.

#2: Weather and Other Natural Incidents Are Usually Covered

Weather and natural events are typically covered under your comprehensive policy. Think things like fire, damage from a storm, or hitting a deer are all considered natural incidents and handled as part of a comprehensive claim? Of course, as you can probably guess, these are also subject to your deductible.

#3: It’s an Optional Coverage and You Select Your Deductible

It’s important to remember that the law doesn’t require you to carry comprehensive coverage. If you are still making payments on your car, your lender might require that you have it, but there is no specific law saying that you need to. Also, you select the deductible you carry, so be sure the amount is one that you could come up with right away if a surprise comprehensive claim occurs.

Ready to learn more? Contact our Longmont, CO team at 1st American Insurance Agency to schedule your no-obligation policy coverage appointment.

What You Need To Know About Your Auto Insurance

There’s a lot involved with auto insurance in Longmont, CO. It can be overwhelming to look at what’s required in the state of Colorado as well as ways to protect yourself above and beyond. Rather than having too many unanswered questions, you can work with our independent insurance agents at 1st American Insurance Agency.

Coverage Levels

You need to explore the various coverage levels that are available to you. Auto insurance is required in the state of Colorado, and this means maintaining certain minimum levels of liability. Beyond that, you have the ability to increase those coverage levels for further financial protection. You can also explore such add-on coverage items as collision and comprehensive.

Deductible

It’s important to explore the deductibles that are available on the various types of coverage that you have. In the event of an accident, you will be responsible for the deductible. In most instances, this is your only out-of-pocket expense. Depending on the policy and what you can afford each month, the deductible can range from $250 to $1000.

Filing a Claim

As you shop auto insurance, it’s important to know about the details involved with filing a claim. The whole reason you have auto insurance is to take care of things after an accident. Particularly if you were at fault or there is no one to blame for the accident, you will be filing with your own auto insurance. Independent insurance agents can walk you through the claim process so that you know what to do if you are involved in an accident or you experience some kind of damage to your vehicle.

You don’t have to choose auto insurance in Longmont, CO alone. Contact us at 1st American Insurance Agency today to learn more about the options available to you. We can walk you through the entire process.

What is Umbrella Auto Insurance?

Often times we take out an auto policy based more on what it costs that what we really need. That being said, there are additional coverages that you can take out to help give you more coverage without necessarily causing you a great deal of cost. For those that live in the Longmont, CO area, the agents with 1st American Insurance Agency can help you tailor your perfect auto umbrella policy.

Umbrella insurance is a subset of insurance coverage that is a supplemental coverage if you will, to the policies you already hold. You can take out umbrella coverage on just about any existing policy that you have and can use it to get better or more coverage for that particular policy. This is a great way to up coverage, either permanently or temporarily, without necessarily altering the coverage you already have or the policy that you already have. This is going to help you get more coverage and is going to help you make sure you have the coverage you need no matter what.

For those that have a car that is worth more than a typical policy is worth, that has a driver that is a higher liability, or that just want a bit more coverage without having to change their whole policy, umbrella auto insurance might be a good fit. This is a great coverage type and is going to give you more coverage without changing the policy that you already have and without your having to take out another auto policy. The company you choose for your umbrella policy may ask you to up your current coverage before they give you another policy but they will likely offer you some sort of coverage. For those in the Longmont, CO area, the agents with 1st American Insurance Agency can help you find the perfect policy.