What Type of Car Insurance is Best for Mountain Regions?

The people of Centennial, CO know that the mountains of Colorado can provide treacherous terrain for drivers. The roads have tight curves, steep drops, and challenging weather that require a driver to remain on their toes at all times. When something goes wrong on the mountains, what type of auto insurance is necessary to cover the vehicle? When it comes to understanding these details, Compass Insurance has the answers.

There are numerous threats when driving on mountain roads in addition to other drivers. These include falling rocks, ice, or trees from the edge of the mountain. Mountain passes are filled with rest areas that are prone to theft. Glass from other cars or objects can damage a car. Finally, some mountain animals are large and can substantially damage a vehicle. These are all damages that aren’t covered by collision insurance and certainly aren’t covered by liability insurance. Therefore, drivers in mountainous areas need an additional level of coverage that will pay to repair or replace a car damaged by these hazards. They need comprehensive coverage.

In short, comprehensive insurance coverage protects a car from damage that occurs outside of a collision. This includes falling objects, natural disasters, theft, and fires. Many people refer to comprehensive coverage as "act of God" insurance. For people that live in the mountains, this is the coverage that is required. Avalanches, blizzards, large animals, and treacherous conditions mean that cars are prone to sustaining damages outside of a typical car accident. These damages aren’t covered by liability or collision coverage. Without comprehensive coverage, the car isn’t protected against these potential hazards. Therefore, drivers in mountain regions need comprehensive insurance coverage. 

The mountains provide challenging terrain for drivers. Large animals, snowy conditions, and falling objects merit comprehensive insurance coverage. Make sure the vehicle is covered for all circumstances on the mountain roads of Centennial, CO. Contact Compass Insurance for a quote today.