A common misunderstanding is that annual insurance policies that cover commuting allow business trips to any location – they don’t! Commuting use only covers journeys to or from your regular place of work – so this could exclude cover if you visit a client, attend a training course or help out at a local branch. Our temp car insurance policies provide full business use (but not the carrying of goods or passengers for hire or reward).
As we’ve seen above, just one incident can cost you nearly $100 a year in car insurance increases. With Dallas being one of the largest metro areas in the country, there are plenty of drivers on the road to cause accidents or display bad driving behaviors. In 2017, Dallas reported 25,267 car crashes. Plenty of car crashes for a highly populated city.
Comprehensive car insurance covers damages from an "act of God," or events that are not caused by a car driving into something else. An "act of God" can include things like damage from a heavy tree branch falling on your car. Since you have no control over when or why a tree branch would fall on your car, this kind of accident would be covered under your comprehensive policy.