AllRisk Auto Insurance, LLC Blog
Your car insurance may cover personal injury protection and liability protection especially when you damage something or hurt someone with your car. It also protects your car from theft or vandalism when you are not driving it. However, there are some claims that your car insurance does not cover or will not cover for you if you have done certain things. You should know what these things are if you don’t want them to reject your car insurance claim.
Claims Beyond the Limits of the Policy
You should know that you will not receive any claim that is beyond the limits of your policy. The cost of damage to your car may exceed your limit, and you should be the one to pay the difference. Also, your car insurance may not cover damage to tire from puncture or bursting as well as a broken windshield. Also, the loss of your personal belongings may not be covered by the car insurance policy. However, once you make sure of this, ask your homeowners or renters insurance agent if they can handle this.
Failures and Natural Wear and Tear
In case your car breaks down from your own responsibility or from deliberate damage that you have done to it, then you should know that they will not honor insurance claims for this. Your car insurance can only cover damage and not a failure from taking care of it. If your car stops working because of the natural wear and tear or because you did not have it overhauled after a long time, then you should bear the burden for it.
Problems Involving the Law
In case your car was seized by the authorities for any unlawful reason or whether it is justifiable or not in your favor, you should understand that your car insurance may not cover this. The same thing applies if a debt collector takes your car or if your license has been suspended since they caught you driving under the influence of alcohol or drugs. You should also know that any accidents due to an unapproved or unlawful cause may disqualify you from getting insurance claims for the damage.
Claims Reported Late
Your car insurance company may reject any claims that you failed to report within a specific period. You should always ask your agent all the questions that you need answers to beforehand. There are specific time frames allowed by the company for you to report specific incidents that happened to your car. Make sure too that if you were driving your vehicle outside the United States, some insurance companies would also reject your claims.
Some Final Words
Always try to minimize damage to your car since that is your legal obligation. Taking your car for a check-up every now and then may help. After all, it is not about the insurance that should matter to you more but the overall safety of your car. Drive responsibly without alcohol or drugs and always keep an active policy.
At AllRisk Auto Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (360) 693-4044 or Click Here to request a free quote.