Your car is susceptible to various hazards beyond just collisions with other vehicles. These hazards can result in costly damage that needs to be repaired before you can continue using the vehicle. Comprehensive auto insurance also covers damage from falling objects that can harm or disable your car. At CO Insurance Specialist in Wheat Ridge, CO, we assist our clients in securing the coverage they need to avoid costly losses.

Falling Objects: A More Common Occurrence Than You Might Think

Most often, vehicles are damaged by falling objects during severe storms, which can break tree branches or construction materials. Hailstorms can cause extensive damage to your vehicle’s exterior. Driving near construction areas can lead to debris or other items falling on your vehicle. It’s not uncommon for melting ice chunks to fall from the underside of viaducts or overpasses onto vehicles driving below. These objects can dent metal parts of your car, break windshields, scrape paint, and cause other types of damage.

Filing Your Claim for Damage from Falling Objects

Comprehensive coverage generally applies to damage to a vehicle from falling objects. The incident’s circumstances, such as weather-related, construction damage, or vandalism, can influence the review of your claim. Although comprehensive coverage is more expensive than simple collision coverage, you can usually lower the cost of the premium by adjusting your deductible amount.

Choose CO Insurance Specialist for Your Auto Insurance Needs

Auto insurance can be a complex subject, and you may have questions about the coverage you need. Our experienced agents can provide detailed answers to your concerns. Contact CO Insurance Specialist in Wheat Ridge, CO, today for a no-obligation quote on auto insurance coverage to offset the cost of expensive damage to your vehicle.