If I have collision insurance do I need to have comprehensive coverage

Auto insurance is something that is mandated by law, but only liability coverage. When you have a car loan, comprehensive and collision coverage will be required. Many people no longer have a car loan, and that brings up the necessity of reassessing your coverage. Most people understand what collision coverage is and the benefits it provides. Comprehensive insurance is much less understood, and you may be wondering if it is something that you need. At The Wurzel Agency in Oviedo, FL, customer service is what we are all about, and with our many years of experience, we can help you to understand what type of car insurance are right for you. 

Collision coverage protects your vehicle if you are deemed fully or partially responsible for an accident. It will provide the money to repair or replace your car up to the limit of your policy after the deductible is met. So what exactly does comprehensive insurance cover? 

Comprehensive insurance is frequently referred to as “non-collision” insurance. This is not wholly accurate. While comprehensive insurance does not cover a collision with another motor vehicle, it does cover collision with a large animal such as a deer or moose. As humans encroach on animal habitats, this is all too common an occurrence. It also covers weather-related events such as high winds and even flooding. High winds can send tree limbs flying onto your vehicle. Theft and vandalism are also covered under comprehensive insurance. Glass coverage is one of the most frequently used parts of comprehensive auto insurance; most policies will replace your windshield without a deductible. 

At The Wurzel Agency in Oviedo, FL, we understand auto insurance, and we are dedicated to making sure you get the right coverage for you and your vehicle. Give our office a call for a no-obligation quote. 

The Facts About Lightning

The next time you see or hear a thunderstorm, you might want to take a moment to review what you know about lightning safety. Strikes are most common during the summer thunderstorm season, but they can happen at any time of the year – especially here in Florida, the lightning capital of the United States. According to the Orlando Sentinel, lightning is the number one cause of weather-related deaths, and lightning storms happen an average of 100 days each year in Central Florida. 

Unfortunately, a lot of less-than-accurate ideas about lightning have found a place in the popular imagination over the years. Here’s a look at what we do know to be right about lightning.

Indoor Safety

• The safest place to be during a storm is typically indoors. It is vital to avoid anything that conducts electricity — metal, landline phones, appliances, wires, TV cables, and plumbing.

• Automobiles can be safe havens thanks to the metal frame that diverts the electrical charge. Don’t lean on the doors during a storm, however.

Outdoor Safety

• Don’t look for shelter under a tree. If lightning hits its branches, a “ground charge” could spread out in all directions.

• Don’t lie flat on the ground as this can make you even more vulnerable to a ground charge.

7 Tips to Help You Handle Rainy Days Behind the Wheel

Every Florida driver inevitably has to deal with rainy weather. 

With slick roads, flooded streets, and reduced visibility, not knowing how to drive in the rain can be a recipe for disaster. Be sure to follow these simple tips for safer rainy-day travels. 

  1. Stay visible. Turn on your headlights so you can see — and be seen — more easily. Headlights on, hazards off — it’s the law in Florida. 
  2. Be patient. Give yourself more time to get where you’re going, and give people more room. Increase your following distance two to three times.
  3. Expect slippery conditions. Rain often combines with oil and grease buildup to create slick roadways. Not to mention you can hydroplane — meaning your tires are riding on water instead of pavement — at speeds of as little as 35 mph. If it happens, slow down, gently apply your brakes, and keep steering straight ahead.
  4. Check your car’s systems. How are your wipers? Do your blades need to be replaced? What about your defroster? Driving in the rain is hard enough; don’t do it with fogged-up windows, too.
  5. Inspect your tires. Are they inflated properly? Do you have enough tread? Put an upside-down penny into the tread. If you can see Lincoln’s entire head, you probably need new tires.
  6. Never drive in flooded areas. In a flood, it won’t take much water to sweep you away, believe it or not — just 12 inches for a smaller car or 24 inches for almost any vehicle, according to the National Weather Service, which advises, “Turn around, don’t drown.”
  7. Get – or stay – off the road. When conditions are really bad, pull over and take a break. Or, if you can, just stay home. You’ll probably be happier to stay out of the weather, anyway! And you’re certainly likely to be safer.

With a little extra care, you can help keep your car on the road and your rainy day blues to a minimum even while traveling in wet conditions. And, as always, if something does go wrong, we’re here to help guide you through it.