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What Your Car Insurance Won’t Cover

When you take out an insurance policy, it is supposed to give you peace of mind. In your opinion, you’re protected in case something unexpected happens. All you have to do is file a claim and wait for a check to be issued. Unfortunately, when it comes to car insurance you may be in for a surprise, because there are some things that insurance won’t pay for. Following are a few tips concerning what your car insurance won’t cover.

Read the Fine Print

When you take out an insurance policy on your automobile, make sure you read the fine print on the contract. Simply signing a policy is no guarantee that you’ll receive any compensation when you file a claim–there are exclusions in every policy. If you’re still making payments on the car, you are required to carry full coverage insurance. However, some things will not be covered, even with “full” coverage, and you won’t know what they are until your claim is denied–unless you read the entire policy ahead of time. It would be a good idea to talk with your insurance agent concerning what is and isn’t covered. You can also contact various companies to see what their policies are.

Deliberate Acts

If you deliberately cause damage to your vehicle or someone else’s, your insurance policy will be considered null and void. The company will not pay for a willful act that is the root cause of an injury to a person or damage to property. Each claim you file will be examined for its validity. If it’s determined that the damage was caused intentionally, your claim will be denied.

Negligent Acts

Another thing that will cause an insurance company to deny a claim is if it is determined that the damage or injury occurred as a result of negligence on your part. It is incumbent upon you to use reasonable care in the upkeep of your vehicle. If you’re involved in an accident because your brakes failed, and you crashed into another vehicle, the claim won’t be allowed if the insurance investigator determines that you allowed the brake pads to be worn out, or the brake fluid to be below the required level. Another example is if you have a blowout, and the car rolls over. If it’s determined that the tires tread level was unacceptable, your claim will be denied.

Limitations on Theft Protection

In the event your car is stolen, you will receive compensation for the loss of the vehicle up to the limits of your coverage–providing you have a valid policy in effect and you’ve been making your payments on time. However, you won’t be covered for personal possessions that were inside the vehicle at the time it was stolen unless you carry a policy that specifically outlines this sort of coverage. In order to be sure your person property is insured while it’s inside your vehicle, you should make sure your insurance policy is written in such a way as to include it. This also means that you should have specific coverage for your possessions if they’re stolen from the vehicle, but the car itself isn’t damaged or stolen.

Additional Drivers May Not be Covered

Most insurance companies will only consider your policy to be valid if the vehicle is being driven by an authorized driver when an accident occurs. That means you should include the names of anyone who may be driving the car on a regular basis when you take out the policy. Typically, your policy will mostly likely cover a person who borrows the car, but only if that person doesn’t live with you.

Specialty Vehicles Need Extra Coverage

If you’re driving a simple four-wheeled vehicle, then a standard insurance policy may be all you need. However, if your vehicle is a specialty vehicle of some sort, such as a motorcycle, RV, or some sort of collector or antique car, then a standard policy probably won’t cover all your needs–you will probably have to make sure you have an insurance rider (an umbrella policy) in place to cover any holes in your regular automobile insurance.

Business Use Requires Special Coverage

Automobiles that are used for business purposes require specialized business coverage. If you use your car or truck to deliver pizza or lumber for a business, it will not be covered if you get into an accident. You will need to make sure you have an insurance policy in effect to cover you during the times the vehicle is used for business purposes.

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