Falling Objects Coverage
Falling Objects Coverage is a type of protection provided by Comprehensive Insurance that helps cover the costs of damage to your vehicle caused by objects falling onto it, such as tree branches, debris, or hail. This coverage goes beyond just collisions with other vehicles and is designed to safeguard your car from various non-collision related risks.
Example #1
For instance, if during a storm a tree limb falls on your parked car and damages the roof and hood, Falling Objects Coverage would help pay for the repairs.
Example #2
Another example is if a construction tool accidentally drops from a building and damages your vehicle's windshield, this coverage would assist in covering the costs of repair or replacement.
Misuse
Misusing Falling Objects Coverage could involve trying to claim damage caused by objects deliberately dropped on your own vehicle. It's crucial to understand that insurance is meant to protect against unexpected and accidental events, not intentional actions. Falsely claiming damage from deliberate acts can lead to fraud and harm the insurance system, ultimately raising costs for all consumers.
Benefits
The benefit of Falling Objects Coverage is that it provides additional financial protection for damages that can happen outside of typical accidents. Without this coverage, you would have to pay out of pocket for repairs caused by falling objects, which can be expensive.
Conclusion
Falling Objects Coverage extends the peace of mind that Comprehensive Insurance offers by guarding you against a wider range of risks. Being informed about the proper use of this coverage ensures that you can make valid claims when needed, protecting both your financial well-being and maintaining the integrity of the insurance system.