After falling asleep at the wheel, Matthew Alther, of Harrisonburg, Va., discovered that the best time to buy full insurance coverage for a vehicle is before a crash, not after. While driving to work around 3 a.m., Alther dozed off, drifted off the highway, and struck a guard rail, the Virginia State Police reported. Because the insurance coverage on his vehicle was for liability only and the repairs to his car would not be covered, he telephoned his insurance company soon after 9 a.m. to obtain a quote to add full coverage. Approximately an hour after gaining full coverage, Alther called the insurance company back to submit a claim for the damage to his vehicle, according to the police department.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?


© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2024 ALM Global, LLC. All Rights Reserved.