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Lucky vs. Protected: Understanding Your Insurance Coverage

Try as we might, there’s no way to predict the future — all we can do is hope for the best and plan for the worst. Those involved in unexpected situations that could have fared worse are often considered “lucky.” However, even with four-leaf clovers and rabbit’s feet, accidents happen. Preparing for the unexpected starts with understanding your insurance coverage and what type of insurance is required to help protect you, your family and your property.

Auto and homeowners insurance policies help protect you from potential damage that results from a variety of incidents. This collection of videos showcase situations that had the potential to end very badly for the individuals involved. Luckily, no one was harmed and minimal damage, if any at all, occurred.

Auto Insurance

“Safe driving includes obtaining auto insurance that protects those in and around your vehicle,” said Kevin Quinn, vice president of claims and customer experience at Mercury Insurance. “If a collision does occur, your insurance company will be there to help you throughout the claims process and get you back on your feet.”

Crossing Lanes of Traffic

(Source: ViralHog)

Following posted road signs and obeying all local and state driving laws are part of being safe driver. The driver attempting to cross the lanes of moving traffic was responsible for ensuring a clear path to their intended route. However, in the case that others on the road were unable to move out of the way of the incoming vehicle, this driver would be at fault for any resulting collisions. Any costs incurred from those collisions would default to that driver.

Jaywalking Pedestrian

(Source: Road Scholars Institute of Driving)

Be aware that pedestrians aren’t always following the law and paying attention to their surroundings. The driver in this situation had an obstructed view of the pedestrian illegally crossing the street, and had to swerve to avoid an accident. Collisions involving pedestrians along bustling city streets, walkable neighborhood streets and obscure sidewalks will still involve auto insurance. Hitting a pedestrian while driving can cause serious injury, and any medical expenses incurred from injury are likely covered by bodily liability coverage from auto insurance policies. Insurance procedures will vary by state due to specific liability limits that are in place for each state.

Crossing Railroad Tracks

(Source: Delmarva Rail Productions)

Most train railroad crossings are well marked to provide advance notice to drivers. Drivers not paying attention when crossing tracks with an oncoming train are flirting with danger. The driver in this situation failed to wait for the train to pass before crossing the tracks, which, had it caused an accident, might have resulted in serious injuries, as well as implicated several parties, including government agencies, in the claims process.

Homeowners Insurance

“A homeowners insurance policy can provide you with peace of mind,” said Christopher O’Rourke. “There are many things outside of your control, but taking preventative measures and getting coverage can help alleviate stress that comes with those unexpected mishaps. Your homeowners insurance policy should be tailored to your specific needs to ensure coverage in the event of damage or loss.”

Cooking or Grilling Mishaps

(Source: ViralHog)

Having a smoke detector installed and keeping a fire extinguisher nearby is smart, but having homeowners insurance that can cover fire damage to your home or property is essential. Cooking, grilling or deep-frying accidents that result in fire and smoke damage are commonly covered under standard homeowners insurance policies. The policy will typically provide coverage for your home and surrounding property, including fences, garages and landscaping. Your homeowners insurance can also provide coverage to personal belongings such as appliances, furniture and clothing that could have been ruined in the fire.

Wild Animal Home Invasions

(Source: Villhelm)

Nature is often the most unexpected force when it comes to homeownership. Animal-related damage can be costly when it comes to the repairs required for your home. The homeowner in this video prevented the bear from entering the home, but the situation could have been much worse. Open or unlocked doors and windows can be easy points of entry for animals, which makes your home susceptible to these unwanted guests. Depending on the type of animal, a standard homeowners insurance policy might cover the damage to the structure of your home, but not your belongings.

Your safety and the coverage of your car, home and belongings shouldn’t be left to chance. In the event of an accident, damage or loss, contacting your insurance provider’s claims hotline can help provide the assistance and support you may need. Each insurance provider offers various coverage options to match an individual’s needs. Contact your insurance agent to review your coverage to get a full understanding of what is and isn’t included in your current policies, and make adjustments to your coverage as needed.