Living in the Lafayette, IN region means experiencing all seasons, from thunderstorms and hailstorms to potential tornadoes. Understanding how weather-related claims impact auto insurance premiums and coverage options is vital if you live in the Lafayette, IN, region. At Blevins Insurance Agency, we can help you make informed decisions about any auto insurance policy you need before finalizing your selection.
Frequency of Claims
During a harsh winter in the Lafayette, IN region, weather-related claims are likely to spike. This rise in claims may increase auto rates once renewal times arrive. During periods of reduced claims, drivers in the area may also see reduced or stabilized rates.
Comprehensive vs. Collision Insurance
Weather-related incidents can significantly impact the types of coverage drivers in the Lafayette, IN region choose to keep. Collision coverage is ideal for accidents that result from driver error, while comprehensive coverage is ideal for weather-related damage or related accidents. Comprehensive coverage is ideal for flooding, fallen tree damage, or even damage caused by a hailstorm.
Liability/Uninsured Motorist Claims
Varying weather can also increase the likelihood of collisions and accidents on the road due to low visibility or distractions. This can lead to an increase in liability claims. Premium rates for uninsured motorists and liability insurance may be affected when there is an uptick in claims filed in the region during a particular season or time of year.
Understanding how weather-related claims may impact your auto insurance rates or claim filings is essential as a driver and resident living in the Lafayette, IN region. At Blevins Insurance Agency, we’re here to help you find auto insurance that covers your specific needs. To learn more about your options, contact Blevins Insurance Agency today.
