What does your auto insurance cover?

The number of reported claims for vehicle losses from natural disasters has risen steadily in the past five years.

Last year, there were nearly 1 million claims, according to Property Claim Services.

It's crucial for drivers to know what their insurance covers. ``Too often, people shopping only for the lowest rates don't notice their lack of certain types of coverage until they try to make a claim,'' said Ron Berry, senior vice president at the Council of Better Business Bureaus.

Here are tips:

• Check whether your policy includes comprehensive coverage, emergency roadside assistance or a replacement rental car.

• Know the amount of your deductible and any other additional charges before authorizing work.

• Do business only with a reputable company.

Comprehensive coverage will reimburse you for loss from damage caused by something other than a collision with another car or object. Flooding also is covered.