Not only is car insurance a safety net in the event of certain damages, but it’s also a legal obligation. And although your insurance may cover a lot of things, there are some that are just not part of most policies.
So, what kinds of things are not covered by your automobile insurance?
1. Custom Modifications or Upgrades
Most basic policies don’t cover modifications or aftermarket upgrades and parts. And those that do offer coverage often have a cap of $1000 or so.
This means you’ll have to pay out of pocket if your expensive rims are stolen or damaged. This doesn’t include any deductibles you might have in such an instance.
2. Damages Beyond Policy Limits
A collision policy will only cover a certain amount of damages should something happen. In some cases, you might be covered for up to $50,000 in damages.
But what if you smash your car into a brand-new Bugatti? Well, you’ll be paying out of pocket for that particular automobile for years to come.
My point is that damages beyond what your car insurance can cover will be your responsibility.
3. Car Insurance Doesn’t Cover Racing
A lot of people feel the pressure of demonstrating their wheels are superior. This often results in a quick race down some street or boulevard as an exhibition of speed.
Yet, should an accident happen while you’re speeding down the road, most policy claims will be denied.
4. Rideshare and Delivery Businesses
Uber and Lyft are two of the most popular rideshare businesses nowadays. Even delivery service jobs are available from your automobile. But what happens if you accidentally run a red light and T-bone another vehicle?
Most insurance policies will not cover damages caused while running rideshare and delivery businesses from your car.
5. Theft of Property Left in the Car
You probably know a lot of people who keep their wallets in the glove box or middle console. Perhaps you have a golden locket hanging from a rearview mirror.
In the event of these items being stolen, policies will often deny claims of theft. However, your homeowners’ or renters’ policy might. Be sure to check there, first.
6. Drug Testing Your Car?
As absurd as it may sound, drug testing a vehicle is a real thing. This is when a drug kit is used to ensure dangerous substances are not present when dealerships or specialists repair damages. And the process can add a week or two to repair times.
Though, this is usually done in the event of a theft and recovery of a vehicle.
This is driven by recent events involving fentanyl exposure.
However, most insurers have no problem covering costs such as testing or cleaning after a theft or an attempted theft. If there was no evidence to raise a drug-related concern, though, some insurers may not volunteer to pay for contamination testing or clean-up.
The fact of the matter is that this instance is exceptionally rare.
Car Insurance is Still a Necessity
While there may be a few things not covered in your policy, it’s still worthwhile to protect yourself. Accidents happen all the time, whether they’re through the fault of your own or not. The last thing you want is to be on the hook for repairs or get a ticket for not having coverage.
At Vargas & Vargas insurance, we’ll help you find the best policy for your car insurance. Contact us today to see how we can help deliver coverage for your automobile.
While it may be difficult to cover any of the above, you can still rest easy knowing that you’re protected in various other life situations.
