Auto insurance is an important financial protection for drivers, but it doesn’t cover everything. Here are some of the things that are not typically covered by auto insurance.
Damage to Your Own Vehicle
- Wear and Tear: auto insurance does not cover this type of damage because it is considered a maintenance issue. For example, if your tires wear out or your brakes need to be replaced, your auto insurance will not cover the cost of repairs.
- Intentional Acts: are also not covered by auto insurance. For example, if you intentionally crash your car into a tree, your auto insurance will not cover the cost of repairs. This is because your insurance company will assume that you were negligent in causing the damage.
- Driving Under the Influence: Damage caused by driving under the influence of alcohol or drugs may not be covered by auto insurance. This is because driving under the influence is considered to be a form of negligence and it is considered a felony.
- Stunt Driving: Damage caused by racing or stunt driving may not be covered by auto insurance. This is because racing and stunt driving are considered to be high-risk activities that increase the likelihood of an accident.
Damage to Other Vehicles
Damage caused by a collision with an uninsured driver may not be covered by auto insurance. However, you may be able to file a claim with your own insurance company under your uninsured/underinsured motorist coverage. This coverage will pay for the cost of repairs to your vehicle, up to the limits of your policy.
Natural Disasters
Damage caused by a natural disaster is not typically covered by auto insurance. However, you may be able to file a claim with your homeowners or renters insurance. This coverage will pay for the cost of repairs to your vehicle, up to the limits of your policy.
Other Expenses
Medical expenses for injuries sustained in an accident are typically covered by auto insurance, up to the limits of your policy. However, your insurance may not cover the cost of medical expenses for injuries that were sustained while you were driving under the influence of alcohol or drugs.
Pain and Suffering
Pain and suffering damages are not typically covered by auto insurance. Pain and suffering damages are non-economic damages that are awarded to compensate victims for the physical and emotional pain and suffering they have experienced as a result of an accident.
Conclusion
It is important to read your auto insurance policy carefully to understand what is and is not covered. You should also talk to your insurance agent if you have any questions about what your policy covers.
