You know that car insurance is a must-have, but what you may not know is that it doesn’t cover everything. There are a number of things that can happen to your car that your insurance policy won’t cover.
While it’s important to have car insurance, it’s also important to be aware of what it doesn’t cover. That way, you can be prepared for the unexpected and know what steps to take if something happens to your car. In this post, we’ll go over 5 things that your car insurance policy won’t cover and what you can do about them.
Dents, Dings, and Scratches
You know the saying, “An ounce of prevention is worth a pound of cure?” That’s definitely true when it comes to car insurance.
Sure, your policy may cover damages if you’re in an accident, but what about the small dents and scratches that accumulate over time? Most car insurance policies won’t cover those.
But that doesn’t mean you’re out of luck. There are a few things you can do to prevent the small damages from turning into big problems. One option is to use a car cover when your car isn’t in use. That’ll help keep the elements at bay and minimize the chances of additional damage.
Another option is to install a dash cam. That way, you’ll have video evidence if someone hits your car and tries to blame it on you.
Bottom line: It’s always best to be proactive and take steps to protect your car from the inevitable bumps and bruises it’ll suffer over time.
Windshield Chips and Cracks
If you’re like most people, you probably think that your car insurance policy covers windshield damage. But that’s not always the case. In fact, there are a few things that your car insurance policy might not cover—like windshield chips and cracks.
So what can you do about it? Well, the best thing to do is to add windshield coverage to your policy. This will help protect you in the event that your windshield is damaged.
Another thing you can do is to keep an eye on your windshield. If you notice any chips or cracks, make sure to get them fixed right away. The longer you wait, the more damage they’ll cause and the more expensive they’ll be to fix.
You know those pesky little things on the side of the road that we all have to deal with? They’re called potholes, and they can cause some serious damage to your car.
Your car insurance might not cover the cost of repairing your car if you hit a pothole, so it’s important to keep that in mind. If you’re ever in a situation where you hit one, be sure to take pictures and document the damage as best you can.
That way, you can at least try to get some of the cost covered by your insurance company. It’s not a guarantee, but it’s worth a shot.
Maintenance and Repairs
Chances are you know that your car insurance policy won’t cover damage caused by a natural disaster or a collision with another car. But there are a lot of other things that your policy might not cover, too.
Like what? Well, imagine you’re driving down the road and your car breaks down. What happens then? If you have a roadside assistance plan, you’re in luck—your car will be towed to the nearest service station and repaired. But if you don’t have a roadside assistance plan, you’re going to have to pay for those services yourself.
And that’s just one example. Here are four more things your car insurance policy might not cover:
– Maintenance and repairs
– Towing and storage
– Accidents caused by someone else
– Personal items that are stolen from your car
When it comes to car insurance, there are a lot of things that it will cover. But there are also some things that it won’t. One of those is aftermarket parts.
This means that if you have a car that’s been modified in any way, your insurance company is not going to cover it if it gets damaged or stolen. And unfortunately, this includes things like custom paint jobs, spoilers, and alloy wheels.
So what can you do about it? Well, the first thing is to make sure that you’re honest with your insurance company about the modifications to your car. Second, is to make sure that you have adequate coverage for those modifications. And finally, is to shop around for an insurance company that will offer you the best rates for aftermarket parts.
When it comes to car insurance, there are a lot of things that are covered – and a lot of things that aren’t. If you’re not sure what’s covered and what’s not, it’s important to read the fine print before you sign up. That way, you’ll know what to expect in the event of an accident or claim.
Here are five things that your car insurance policy might not cover:
1. The cost of repairs
2. The cost of towing
3. The cost of a rental car
4. Medical expenses
5. Damage to your personal belongings
If you’re in an accident and your car needs repairs, you might have to pay out of pocket for the cost. If your car needs to be towed, that could also come out of your pocket. And if you need a rental car while your car is being fixed, that could add up fast.
Medical expenses and damage to your personal belongings are also generally not covered by car insurance policies. So if you’re injured in an accident or something happens to your stuff, you’re on your own.
It’s important to know what’s covered and what’s not when you’re shopping for car insurance. That way, you can make sure you’re getting the best policy for your needs.