Types of Car Insurance

What are the different types of auto insurance?

You may already know how auto insurance works, but do you know what the different types of car insurance are? If you’re shopping for auto coverage, knowing the different types of auto insurance and their coverage’s is an important step in getting the policy that’s right for you. Here are a few of the basic car insurance types, how they work and what they cover.

Liability coverage 
Liability coverage is required in most US states as a legal requirement to drive a car. Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

Collision insurance 
Collision insurance may cover damage to your car after an accident involving another vehicle and may help to repair or replace a covered vehicle.

Comprehensive insurance 
Comprehensive insurance can provide an extra level of coverage in the instance of an accident involving another vehicle. It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

Uninsured motorist insurance 
Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents. This coverage is often paired with underinsured motorist insurance.

Underinsured motorist insurance 
Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

Medical payments coverage 
Medical costs following an accident can be very expensive. Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

Personal injury protection insurance 
Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident. Depending on the limits of a policy, personal injury protection could cover as much as 80% of medical and other expenses stemming from a covered accident.

Gap insurance 
Car value can depreciate quickly, so an auto insurance settlement might not be enough to cover the cost of a loan. Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

Towing and labor insurance 
Available if you already have comprehensive car insurance, towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

Rental reimbursement insurance 
Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

Classic car insurance 
Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors. Find out if classic car insurance is right for you.

If you don’t currently have auto insurance, it’s crucial to get coverage as soon as possible. Get a free quote for the types of car insurance listed above so you’re protected from the unexpected.

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Signs of Roof Damage

Preventing, spotting and repairing roof damage

Rain, hail, sleet and snow may not stop the U.S. Mail from its appointed rounds but those elements can, over time, stop your roof from doing its job. With the average cost in 2016 of roof repairs over $690 and roof replacements above $7,000, stopping damage before it occurs is a smart idea.

Here are the items you should pay particular attention to when inspecting your roof for damage:

Material failure

Flashing is the metal that connects the chimney, vents and skylights to the roof. Also, it connects porch roofs to the second story. Inspect the flashing every 10 years to ensure it hasn’t corroded or cracked, that rubber gaskets around plumbing vents haven’t deteriorated and that the metal collars on vents used with gas appliances remain tight. Estimated cost of flashing: About $50 per roll.

Check the surface of asphalt shingles to ensure their grains are intact. If they’ve been abraded (by weather or walking on the roof) replace the shingles, then stay off the roof. This is true for cracked tiles, too. Estimated cost: About $30 per bundle, but can vary based on the roof type.

Wind and tree damage

Tree branches that rustle gently in a breeze can also crack tiles, abrade asphalt shingles and damage fascia boards if they brush or strike them. Prevent tree damage by keeping branches at least 10 feet from your home and by ensuring that trees can’t hit your home if they fall during high winds. If a tree hits your home, evacuate until an engineer or general contractor ensures your home is safe to inhabit.

After storms, check your roof for missing shingles, worn spots and cracked or broken tiles. Also, look for broken fascia boards and loose metal sheeting. Estimated cost: DIY prune for free.

Wildlife

Raccoons may be cute, but they can be destructive by ripping off shingles, nesting in attic insulation, compressing it and leaving excrement. Squirrels and roof rats may cause similar problems. Inspect your attic once or twice each year to ensure it’s not home to unwanted wildlife. If critters have invaded, contact a wildlife specialist to remove them, then find and seal their entry points and repair any damaged roofing. Estimated cost of wildlife removal: $200-$500.

Moss

Moss on the roof is more harmful than beautiful. Its spores collect between shingles, growing and spreading to form mats a few inches thick. These mats store rainwater, which wicks underneath shingles, soaks the underlayment and, if unchecked, rots the roof sheathing.

If you have moss, remove it. An air broom works nicely. Don’t power wash the roof, because that can drive water underneath the shingles or tiles. Once the moss is gone, apply a chemical treatment or zinc or copper solution to kill any remaining moss spores. Alternatively, install zinc or copper strips at the roof’s peak to kill moss in the coming decades. When reroofing, consider shingles with built-in moss inhibitors. Estimated cost of chemical spray: About $15.Caring for your roof helps it last years longer. If it’s damaged by events beyond your control, however, contact your Duda Insurance agent. Not a Duda Insurance customer? Learn more about our reliable home insurance coverage options call (509) 787-4447.

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