Pittsburgh sits along the Allegheny Plateau, an area known for steep terrain and challenging road conditions. While the region lacks high-altitude mountains, steep hills can be dangerous during hazardous weather, making it easier to lose control of your vehicle. Your auto insurance may help, depending on the circumstances.
Does Comprehensive Coverage Apply If You Lose Control?
Comprehensive coverage protects against non-collision events such as theft, vandalism, hitting an animal, or weather-related damage. It does not typically apply when you lose control of your vehicle and collide with guardrails, ditches, or other objects.
These types of incidents are generally covered under collision insurance, not comprehensive. Collision insurance helps pay for repairs to your vehicle if you hit an object or another car. To understand which types of incidents your policy covers, speak with an agent at Stalwart Insurance.
Accidents Not Covered Due to Illegal Acts
Auto insurance policies include exclusions. Many insurers will deny a claim if the accident occurred while you were committing an illegal act. For example, if you lose control of your vehicle because you were driving under the influence, your insurer may deny coverage.
Distracted driving is another concern. Pennsylvania law prohibits the use of handheld mobile devices while driving. If you were using a phone illegally at the time of the accident, your insurer may deny the claim depending on the circumstances and policy language.
Intentional Damage Is Not Covered
Intentional acts are excluded from nearly all insurance policies. If you purposely drive into someone else’s fence or property, your insurer will not pay for the damage to your vehicle. Auto insurance only covers accidental and unforeseen events.
The experienced agents at Stalwart Insurance can help you review your policy and understand the types of incidents it covers. Contact us today. We proudly serve the Pittsburgh, PA, area.
