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Liability Coverage: Covers other people’s damages/injuries if you’re at fault. Collision Coverage: Pays for damage to your car. Comprehensive Coverage: Covers non-collision incidents (theft, vandalism). Uninsured/Underinsured Motorist: Protects you if 
Ensure Safety: Check for injuries. Move to a safe location if possible. Call Emergency Services: Call 911 for police and medical help. A police report helps support your insurance claim. 
Typical reasons include: Storm or hail damage Fire or smoke damage Water damage (e.g., from burst pipes or roof leaks) Vandalism or theft Falling trees Mold (sometimes)
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