Car Damages That Are Not Covered By Auto Insurance

Drivers like you cannot avoid getting auto insurance. It is one of those essentials being required by most states that a driver should have. If you are caught driving without active auto insurance, state authorities can impose sanctions on you. So, do not go without one.

Besides complying with state regulation, your auto insurance offers protection for yourself, your car, and your passenger. Road accidents are unpredictable, so it is crucial to have insurance protection all the time.  If you accidentally collided with another vehicle, your auto insurance can cover the other driver’s medical treatment expenses and the costs of repairing the other vehicle.
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More likely, you are aware of what is covered by auto insurance. However, you also need to know what is not covered by your policy:

Car Damages Due To Natural Calamities
Your auto insurance can cover the damages due to a collision with another vehicle or road accidents. However, if your car got damaged due to natural disasters like flooding, earthquake, or tornado, your auto insurance policy will not pay for it. Standard auto insurance does not cover natural calamities.

Most auto insurance providers classified natural disasters as acts of God that are permanently excluded in your auto insurance policy. But if you need coverage against damages from natural disasters, you get comprehensive car insurance. It can give you protection from damages beyond collisions and accidents. It can cover some damages brought by a natural disaster indicated in your policy. 

Stolen Personal Belongings
Most of the time, you leave important items or personal belongings inside your car. If these items or personal belongings got stolen from your vehicle, your auto insurance would cover the cost of replacing the stolen item.

Theft of your laptop or smartphone inside your car will not be covered by the auto insurance policy. Even if you have comprehensive coverage, your auto insurance will not pay for it. Comprehensive coverage can only cover theft of items that are considered as part of your vehicle, like airbags.

To cover your personal belongings, you can get homeowners or renters insurance. So, if your car was stolen, you need to submit separate insurance claims for the stolen car, auto insurance, and stolen personal belongings, homeowners or renters insurance.

Conclusion
Most car owners are unaware that not there are damages that are excluded from their auto insurance. Sometimes, it is difficult to comprehend the situations wherein your auto insurance will not cover. The best advice would be to read the terms and conditions in your insurance policy carefully.

At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744. You can also request a free quote by CLICKING HERE.