What Your Auto Insurance Won’t Cover

What Your Auto Insurance Won’t Cover

Car insurance can be a very useful thing to own for all divers. In fact, it is so useful that some localities have laws mandating that all drivers own car insurance.  Indeed, it can give you the medical coverage and ability you need to care for your car in a variety of different accident situations which can be crucial to your ability to stay “mobile” in more sense than one. It can help make sure that both you and your car stay healthy. However, as with all types of insurance, there are a range of things that it will not cover that you should be aware of. Here are five things that depending on your auto insurance provider, you may not be able to get coverage for.

Damage by Animal or Mother Nature

If you are leasing or renting your car from an auto dealership you may be required to purchase something known as “comprehensive coverage” for your auto insurance policy. This was specifically meant to cover non-collision situations such as when a tree falls on your car or when a flood may ruin your automobile. If you have full ownership of your car however, you may not think to invest in this type of coverage which often leaves many car owners in the dark during a natural disaster.

Business Use

If you travel in your personal car regularly for business purposes than you should be aware that if you have an accident or breakdown while using it for such a purpose that many insurance policies will deny your claim, even if it happens while just driving down the street to purchase office supplies. You may be required to purchase additional “business coverage.”

Driving a Friend’s Car

If you were at the wheel of a friend’s car at the time of an accident, you may not be covered. Many insurance plans cover you only for damage to the cars’ registered to you or your family. Your friend may have opted for a plan that gives coverage in case a non-registered driver drives his car, but if not, you may be out of luck.

Items Stolen From Your Car

Most car insurance plans will not cover any items such as electronics or other expensive items that are stolen from your vehicle and are not permanently attached to it. This can be an expensive proposition, so we recommend you don’t leave your car valuables in the car when you leave it. Always take anything of significant value with you when you leave your car.


It seems silly, but if you haven’t purchased “collision coverage” for your car, whether you crash into another vehicle or simply drive off the road and hit something stationary, you may not be able to get coverage for the damage to your car as a result. We recommend you purchase this coverage as a minimum for your car insurance policy.

There are a lot of reasons why you might not be able to get coverage from your auto insurance provider, and in case one of these situations should befall you, you should have a back-up plan in place. Still, a reliable auto insurance policy will always be a great peace of mind for the majority of drivers on the road and no driver should be without it. This is why you should look for the most comprehensive policy you can find such as offered by uk.protectyourbubble.com.

Laura Ginn is a professional writer and blogger. She enjoys sharing her knowledge on topics such as car insurance with other people so that they can be knowledgeable consumers. Laura knows that a little knowledge can be a powerful thing!

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