Winter in Cleveland, OH, is no joke. With heavy snowfall, icy roads, and unpredictable weather, driving conditions can quickly turn dangerous. While state-mandated liability insurance meets the legal requirements, it often leaves drivers vulnerable to the unique risks posed by Cleveland’s harsh winters. Great Lakes Insurance Pros is here to help you understand why going beyond liability coverage is a smart move for local drivers.

Liability Insurance: What It Covers and What It Doesn’t

Liability insurance is designed to cover damages you cause to others, including property damage and medical expenses. However, it doesn’t cover your own vehicle or injuries. Imagine sliding on black ice and hitting a guardrail or another car. With only liability insurance, you’ll be left paying for your own repairs and medical bills out of pocket. Cleveland winters make these scenarios all too common.

Comprehensive and Collision Coverage: A Winter Lifesaver

Adding comprehensive and collision coverage to your policy can make all the difference. Collision coverage helps pay for repairs to your vehicle after an accident, while comprehensive coverage protects against non-collision incidents like falling tree branches, hail damage, or even theft. These protections are especially valuable during Cleveland’s snowy months, when accidents and weather-related damage are more likely.

Protect Yourself and Your Wallet

Investing in additional coverage may seem like an extra expense, but it can save you thousands in the long run. Great Lakes Insurance Pros, serving Cleveland, OH, can help you find the right policy to keep you safe on the road this winter. Don’t let liability insurance leave you out in the cold. Contact us today to explore your options and drive with confidence.

Learn more about how we can help by visiting Great Lakes Insurance Pros.

Summer in Cleveland, OH, is a time for warm weather, outdoor adventures, and scenic drives. However, it’s also a season when wildlife activity increases, leading to a higher risk of animal-related collisions. From deer crossing suburban roads to smaller animals darting across highways, these encounters can cause significant damage to vehicles and pose safety risks for drivers. At Great Lakes Insurance Pros, we help Cleveland drivers understand how auto insurance can protect them from the unexpected.

Why Animal Collisions Are More Common in Summer

During the summer months, wildlife is more active due to mating seasons, migration patterns, and increased food availability. In Cleveland, deer are particularly common in suburban and rural areas, while smaller animals like raccoons and squirrels can be found near parks and wooded areas. Drivers traveling through these regions are more likely to encounter animals on the move, especially during dawn and dusk when wildlife activity peaks.

How Auto Insurance Covers Animal Collisions

Animal-related accidents can cause significant damage to your vehicle, from broken windshields to dented hoods and even engine damage. Fortunately, comprehensive auto insurance typically covers these incidents. This type of coverage protects against non-collision events, including accidents involving animals. Cleveland drivers can rely on Great Lakes Insurance Pros to ensure their policies include comprehensive coverage for these unexpected encounters.

Steps to Take After an Animal Collision

If you’re involved in an animal-related accident, it’s important to take the following steps:

• Ensure Safety: Pull over to a safe location and check for injuries to yourself and passengers.
• Document the Incident: Take photos of the damage to your vehicle and the surrounding area.
• Contact Your Insurance Provider: File a claim with your auto insurance company to begin the process of repairs.

At Great Lakes Insurance Pros, we guide Cleveland drivers through the claims process, ensuring they receive the support they need after an accident.

Preventing Animal Collisions in Cleveland

While accidents can’t always be avoided, there are steps drivers can take to reduce the risk of animal collisions:

• Stay alert, especially when driving through wooded or rural areas.
• Use high beams at night to spot animals on or near the road.
• Slow down during dawn and dusk, when wildlife activity is highest.
• Pay attention to animal crossing signs, which indicate areas with frequent wildlife movement.

By practicing safe driving habits, Cleveland drivers can minimize their chances of encountering wildlife on the road.

Protect Yourself with Great Lakes Insurance Pros

Animal collisions are an unfortunate reality for many drivers, especially during the summer months in Cleveland, OH. Comprehensive auto insurance is the best way to ensure you’re protected from the financial burden of these incidents. At Great Lakes Insurance Pros, we’re committed to helping Cleveland residents find the right coverage for their needs. Whether you’re navigating suburban streets or rural highways, our team is here to keep you safe and secure.

Contact us today or visit our website to learn more about comprehensive auto insurance and how it can protect you from wildlife-related accidents!