Comprehensive Insurance - DeKok Insurance Group, Inc.

I was heading home from my insurance office one evening shortly before the end of the year. We live about 12 miles North of Rochester. It was dark out since evening comes earlier this time of year. I could see a couple vehicles on the opposite side of the road facing me. I was traveling at about 55 miles per hour. Several feet ahead of me there was a large dead deer laying across my entire lane. With no time to avoid hitting it, I went over the top of it.

One of the vehicles on the opposite side of the road had hit the deer before I came along. I was glad to see that the driver was out of her car on her cell phone.

My first thought before I ran over the deer was – shoot! – I have no way to avoid this. My second thought was – I hope there’s no damage on my car, and my third thought was I’m so glad I have good insurance coverage. You see, I had just purchased this low mileage, no rust vehicle only a week earlier from a private party in Arizona on EBAY.

I took the car to my mechanic (Jason at “Bird’s Auto Repair”) to lift up on his hoist to check it out. I am happy to say – other than the terrible mess, there was no damage.

Since then, the car has been through about 10 car washes with underbody included.

Fact – Even though hitting an animal in the road is technically a collision, it is covered under “Comprehensive” (other than collision) coverage on your auto policy.

If you would like a quote, please call 507-226-8121 or email or me at [email protected].

We’re all looking for a good value. You will find it at DeKok Insurance Group.

Jon

DeKok Insurance Group, Inc. Referral Program: When you tell your family and friends about your positive experience with my agency, and they call for a quote, I’ll send YOU a $20 gift card.

As an insurance agent, I get asked this question a lot, “What is the difference between comprehensive coverage and collision coverage on car insurance?”

Here is the answer: Comprehensive coverage covers just about everything other than a collision type accident. For instance, if a tree falls on your car, the damage to your car is covered under your comprehensive coverage. If you drive into a tree, your car damage is covered under your collision coverage.

Here’s a visual example of collision damage:

And, of comprehensive damage:

What if you hit an animal in the road (even though technically you collided with the animal), that is covered under your comprehensive coverage. Another loss that seems to confuse is if you hit a pothole and damage your car. That would be covered under your collision coverage (collision with a stationary object).

If you have insurance questions, call me at 507-226-8121 or email me at [email protected].

Jon

Deer Hit

Comprehensive & Collision Coverage