Generally, auto insurance policies provide extensive coverage so that you are protected in every situation. However, every insurance policy contains exclusions. Policy exclusions are situations where you aren’t covered in the event that something goes wrong. To help avoid a potentially uncomfortable situation in the future, here's a look at some hidden variables that are often excluded from auto insurance policies.
Collision coverage protects you if your car is damaged. Things are different if you have installed custom parts on your vehicle. Auto insurance policies generally exclude damage to any custom parts of your vehicle. Popular equipment enhancements include modified car systems, seats, grilles, engines, and paintings. It's recommended that you add custom parts and equipment coverage if you have modified your vehicle.
Basic auto insurance policies will not cover your vehicle if it suffers damages while you're using it for commercial usage. Commercial usage is excluded from auto insurance policies even if you only perform delivery services or drive for a ride-sharing app on a part-time basis. Commercial auto insurance policies are designed to cover you while you're completing business-related tasks. It's recommended that you talk to your insurer, as some companies offer special insurance policies to drivers who work for ride-sharing apps.
Any theft or damage to personal items in your vehicle is commonly excluded from auto insurance policies. If your vehicle suffers damages, comprehensive auto insurance will assist with any physical damage to the interior or exterior. However, any damage to your personal items, such as a laptop, would not be covered. You may have protection through your home or renters insurance policy.
Before planning your next vacation, be aware that driving outside of the country is often excluded from auto insurance policies. If you plan on driving when you take your next vacation out of the country, it's recommended that you contact your agent to assess your options.
Anyone that is not listed on your policy is commonly excluded even if they have permission to drive your car. If you decide to let your friend drive your vehicle one day and they are involved in an accident, you'll be left responsible for any repairs or medical costs.
Specialized vehicles such as RVs and ATVs are excluded from auto insurance policies. Many of these vehicles have their own personalized insurance policies, so you should be able to find the best fit for your situation.
You may be surprised to learn that any damage to your vehicle caused as a result of natural wear and tear is often excluded from auto insurance policies. You can minimize the impact of potential wear and tear on your vehicle by performing regular maintenance. It's important that you take your vehicle to the shop for an oil change, engine check, and fire inspection on an annual basis.
It's important to learn about what's excluded from auto insurance policies so that you will not be caught off guard in the event that an emergency happens. If you have any questions about your insurance, contact our experts Humble Insurance Group. We don’t hide anything from you while creating the best auto insurance plan for you.
