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.
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.
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.
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.