Collision & Comprehensive Auto Coverage in Yukon: Flood, Wildfire and Theft
Mandatory liability does not automatically mean every type of damage to the insured vehicle is covered. Yukon advises drivers to review their policy for flood and wildfire damage, which is usually handled through the applicable optional auto physical-damage coverage.
Collision and non-collision losses are different
Damage from a crash and damage from theft, fire, falling objects or weather may fall under different sections of the contract. The exact wording and deductible determine how a covered loss is handled.
Flood and wildfire are real Yukon vehicle risks
Yukon emergency guidance documents recurring flood and wildfire hazards. That hazard evidence does not prove a particular vehicle loss is covered; the auto policy still needs to be checked.
Compare deductibles together with coverage
A cheaper policy can carry a larger deductible or narrower physical-damage protection. Compare the whole configuration rather than treating the premium alone as the product.