You may have had your auto insurance for a while now. Without ever filing a claim, you may not exactly know what it covers and what it doesn’t. Of course it is always a good idea to review your policy from time to time to make sure you have the coverage you need when the time arises. But here are a few things you may not know about your car insurance:
- Standard liability auto insurance policies do not cover damage to your own vehicle. If you are in an accident and your vehicle is damaged, you will need to have collision and/or comprehensive coverage in order to be reimbursed for the repairs.
- If you have a standard auto policy, you are covered for liability if you are driving someone else’s vehicle.
- Your auto policy does not cover items lost or stolen from your car. If you leave your purse in the car and it is stolen, you will have to file a claim through your homeowner’s insurance rather than your auto policy.
- Your auto policy will cover you in a rental car, but purchasing the insurance offered to you through the rental agency may still be a good idea. When filing a claim through your auto policy, you may have to pay a deductible before your benefits kick in. The rental car insurance policy does not have any deductibles that need to be met.
- You may qualify for policy discounts if you never had a claim or you have completed a driver safety course.
- If you use the same carrier for your auto insurance and your homeowner’s insurance, you may be able to bundle them as a package for an additional discount.
Make sure your auto policy contains enough coverage for anything that could go wrong on the road. Check your policy and contact us with any questions or concerns.