There are worse things than filing an auto insurance claim and discovering that your coverage is lacking, but it’s still a nasty shock. A cracked windshield won’t set you back too much, but a tree falling on your car? Ouch. Take a look at these three common gaps in auto coverage.

Only having the state minimum in liability insurance

In case you haven’t guessed, we think it’s a really bad idea to rely on only 25/50/20 liability. The cheapest policies simply aren’t the best value, as they leave you vulnerable to lawsuits if there’s a coverage gap and provide no help at all when something happens to your own vehicle.

Relying on Health insurance instead of MedPay

How long does your health insurance take to reimburse you, and what kind of deductible do you carry? MedPay kicks in immediately in case of an accident regardless of fault and has no deductible. Plus, it can apply to your own passengers who could otherwise be stuck with their own bills in an accident they didn’t cause. It’s an inexpensive add-on to your auto policy that carries huge benefits if you’re injured.

Ignoring the Trees

Specifically, the big, healthy ones towering above your car from your neighbor’s yard. Virginia gets some impressive thunderstorms and inland hurricanes that can fell trees, bring damaging hail, and generally, wreak havoc that falls under the category “Act of God.” In other words, this is where your comprehensive coverage comes into play. Even if it’s your neighbor’s tree, it’s your car underneath it, and you’re most likely footing the bill.