Driving for Seniors

Read your policy You can buy physical damage coverage. This is called collision and comprehensive coverage. Collision coverage pays for damage to your car from an accident with another vehicle or an object, such as a deer, tree, rock, guardrail, building, or person. Comprehensive coverage pays for other kinds of damage to your car, such as fire, theft, vandalism, windstorm, flood, or falling objects. It does not cover maintenance, normal wear and tear, or mechanical breakdown. If your car is old, you may not need these kinds of coverage. Your premiums or deductible may be more than your car is worth. Additional Coverage You can buy coverage for extra things, like towing, renting a car when your car is being repaired after a covered accident, or special equipment, like a cell phone that is permanently installed in your car. Before you buy any other kind of coverage, make sure you need it. Review and update your auto insurance often. • Tell your agent, broker, or insurance company if you sell or buy an auto, or if the drivers on your policy change. • Make sure the limits and types of insurance are still right for you. • Find out about safe driver discounts. See Page 9 • Has the way you used your auto changed? You may be able to save money on your insurance if you drive less than before. • Is your auto getting old? Do you still need collision and comprehensive coverage? 5 Make sure you know what is covered and what is excluded (not covered). Call your agent, broker, or insurance company if you do not understand something in your policy.