A basic auto insurance policy usually contains a number of different types of coverage, so your level of protection varies by which you purchased and how high the limits are. For instance, one of the perils of owning a vehicle in the Great Plains states is storm damage, particularly by wind and hail storms. As a Nebraska resident, you may wonder if your policy protects you against such perils. The answer is: It might, depending on what coverage you have.

An Introduction to Auto Insurance Coverage Types

The Nebraska Department of Motor Vehicles requires all registered vehicles have liability coverage, which protects other drivers from your mistakes. It pays for property damage and the treatment of injuries, as well as legal fees if you're sued because of an accident you cause. Other common types include collision coverage—which pays to repair or replace your vehicle if you're in an accident—and comprehensive coverage, which protects the car against issues that don’t stem from a crash.

Comprehensive Coverage Protects You Against Hail Damage

Thus, to protect your car against non-collision damage from windstorms and hail damage, you must purchase comprehensive auto insurance coverage. It is entirely optional, but it makes a great deal of sense to buy it to preserve the value of your car, especially if it is a late-model vehicle and still valuable. In addition to storm damage, it also protects the car against fire, vandalism, theft, and, depending on the provider, hitting a deer or another animal. Comprehensive coverage is even valuable if you plan to store the car for the winter and won't be driving it, since it covers so many non-driving perils.

With the right auto insurance coverage, you can protect yourself and your vehicle against almost any peril, whether you're on the road or not. For expert guidance, contact Allstar Insurance in Lincoln, NE. They've been in business since 1995 and also specialize in RV and motorcycle insurance. Visit their website to view a map to their office and business hours, or call (402) 477-0900 to request a quote.