Common Auto Insurance Exclusions

Your car insurance protects you and your vehicle when accidents happen. It compensates you for the damage to ensure you don’t suffer financial losses. While auto insurance can save you on a rainy day, sometimes, it can fall short. Your car insurance has limitations and exclusions, and you need to know about them to ensure an event-free claim process.

Your car insurance exclusions are detailed in your policy document, but you can also consult your insurance agent for more information. Neff & Associates Insurance Services Inc. highlights common areas your standard car insurance won’t cover.

Commercial use

Are you using your car to run business errands? You had better invest in commercial auto insurance because standard car insurance won’t cover business-related accidents. Since business operations are considered high-risk, your insurer expects you to buy commercial auto insurance designed to cover such risks.

Equipment failure

Is your transmission acting up? Has your car engine knocked? Your standard car insurance doesn’t pay for mechanical failures. For such expenses, you will have to finance from your pocket.

Accidents outside American borders

Your standard car insurance protects you when within the borders of America. So, if something happens to your car outside the geographical area of operation, your insurer won’t cover the loss. However, you can inform your insurer of special coverage if traveling abroad with your vehicle.

Engine damage due to oil leakage

Your car insurance should cover the damage if your car engine is damaged during a collision or by a covered loss. However, your typical auto insurance won’t compensate you if your engine is damaged by an oil leak or waterlogging. However, you can purchase a "rider" or "add-on" to protect your engine.

Intentional damage

This is rather obvious, but we will say it since we have seen it happen. Your insurer won’t cover damage from intentional or criminal acts. For instance, your insurer won’t cover your car if you use it as a weapon.

Car insurance in Pismo Beach, CA

Want to learn more about auto insurance? Want to purchase car insurance in Pismo Beach, CA? Please contact Neff & Associates Insurance Services Inc. for all your car insurance solutions.

Preparing your home for an emergency

So many emergencies can happen in and around your home. Being prepared to respond at a moment’s notice may be called for, and your survival may depend on your plans and arrangements. At Neff & Associates Insurance Services Inc. in Pismo Beach, CA, we have years of experience providing quality insurance products and personalized service. As independent insurance agents, we can give our customers more choices and the best value. 

Supplies

Basic emergency supplies are something that every home should have, including several days’ supply of water. This includes water for drinking and washing up, and flushing the toilet if there is any problem with your water supply due to an emergency. Having a generator is always a great addition to a home emergency kit. If not, at least have some kind of charging device and ensure you don’t lose touch with the world. LED lights that are solar-powered can help to make sure you are not sitting in a dark home. 

Your important papers

Your important papers should all be together in one place so that if you need to evacuate, you can grab them and place them in the car to take away with you. They should be in a fire and water-resistant container to protect them. Don’t forget your home insurance policy. 

Have an escape route planned

If you need to evacuate, you don’t want to make a plan when you are rushed, and the adrenalin is pumping. Have a main evacuation route planned and at least one alternative if the preferred choice isn’t available. Make sure the entire family knows the plan and where to meet. 

Contact Neff & Associates Insurance Services Inc in Pismo Beach, CA to get the quality home insurance products you need.