Have you ever asked yourself whether or not you are properly covered by your auto insurance coverage when you come across an accident as you are driving to work?  I think the thought has probably crossed our minds a number of times during the course of an insured year as we say to ourselves “there but for the grace of God, go I”. But then we forget about the incident as our normal working day progresses and we never actually remember to go and re-check our auto insurance policies.

This can be a very costly mistake for the simple reason that the rain may set-in and your town floods.

Too many people in Australia this year have been caught out as another summer of floods inundates our towns and our properties, including having our cars swamped by flood water.  So does your auto insurance cover you for new or replacement vehicle if your car gets caught and damaged by flood waters?

Most people today insure their homes and other valuables but forget that when a severe flood arrives, their car will also get flooded. Some flood waters have been so strong that cars have drifted off down people’s driveways!

Insure Your Car for Unknown Catastrophes

As climate change is happening more severely and frequently everywhere in the world today, you need to insure your vehicle for every type of catastrophe. Yes, this amount of coverage will cost you extra but no one can be quite sure that one of these extreme events won’t happen to you.

There have been severe land slips in areas previously considered stable, one hundred year floods happening two years in a row; mini-cyclones tearing through towns and countryside that has never experienced extreme winds before.

Use Insurance for what it was designed for

Insurance was designed to cover people and property financially for the unknown events that could dismantle, destroy or destruct property or lives. Insurance is designed to cover people for loss or damage that happen through unknown or unforseen events in our lives and to do this successfully, we all need to be fully aware of exactly what we are buying when we shop around for any type of insurance coverage; but too many people forget to include their vehicles in some of these extreme weather events.

After reading this information I hope it will act as a reminder to you to check your car insurance policy today; even if it’s only so you know that you are fully covered by your auto insurance coverage for extreme events.

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