What does car insurance not cover?

 

What does car insurance not cover?



 You definitely want to double-check your car insurance policy to make sure you have all the coverage you need (with no surprising gaps). Finding out you weren’t covered for something essential after an accident is not a fun position to be in.

While each carrier and policy is different, below are some common situations that typically are not covered by a standard auto policy:

Personal items left behind in your vehicle (theft of those belongings)

If your computer, purse, or other valuable item is stolen from your vehicle, you may have to turn to homeowners or renters insurance to have those items replaced.

A person who lives with you but isn’t on your auto insurance policy

Letting your roommate drive your car? If that’s a common occurrence, you may want to add them to your policy. Otherwise, you won’t be covered if they cause an accident while driving your vehicle.

Making deliveries (and ridesharing – business use)

If you work for Lyft, Grubhub, or any other company that requires you to drive your own vehicle, you need a commercial auto policy in order to be covered. Your regular policy will not cover anything that happens to you or your vehicle when driving for business purposes.

Using the wrong fuel

Not paying attention while filling up your gas tank? Using the wrong kind of fuel could damage your vehicle, and your car insurance policy won’t cover the repairs.

Condensation in your gas tank

Condensation in your gas tank can cause corrosion, which is expensive to reverse. Unfortunately, your car insurance policy probably does not cover this type of damage, unless you can prove that it happened due to vandalism.

Routine car maintenance/wear and tear

Most of us know that if your car starts making a funny sound after driving it for a couple years and you have to get a part replaced, that’s not covered by insurance. The same goes for routine maintenance like getting your oil changed, or having the tires rotated.

Driving outside of the US

Check with your auto insurance carrier to see what your auto insurance will and won’t cover before you go on an international trip in which you plan to drive. Most car insurance companies’ policies do not cover you if you are driving outside of the US.

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