What is Not Covered Under Car Insurance??

Auto insurance covers a lot of dangers you may face both on and off the road as a driver. Unfortunately, not all auto insurance policies are created the same and many have common exclusions. The best way to make sure you’re covered on your vehicle is to have full coverage auto insurance. commercial vans parked in a line

Full coverage generally includes:

Comprehensive coverage: This provides coverage for incidents involving fire, windstorms, hail, falling rocks or trees, theft, vandalism and other damages that aren’t a result of collision.

Collision coverage: This provides coverage for incidents involving collision with a vehicle or object.
Liability coverage: Liability coverage is required to some extent in nearly every state. Bodily injury liability and property damage liability offer compensation to the victim(s) if you cause bodily injury or property damage to someone else.
Uninsured/Underinsured motorist coverage: If you crash with a driver that doesn’t carry insurance, this coverage provides compensation for the damages.

This may seem like a comprehensive list that covers every danger your car may face, but there are unfortunately many other issues that “full coverage” insurance doesn’t cover.

Damages incurred under the influence of alcohol or drugs.
Normal wear and tear.
Incidents incurred when the driver doesn’t have a valid driver’s license.
Intentional damage.
Criminal acts.

War, terror attacks, invasion, foreign enemy action, mutiny, rebellion, civil war, radiation, and nuclear weapons or material.
Engine failure or malfunction, unless caused by a covered incident.
Accidents that occur while operating the vehicle for work purposes.

There are certain ways to extend your car’s coverage to include some of these damages, such as normal wear and tear. For accidents that involve work, you may or may not be covered. If you use your vehicle for work, you may need commercial auto insurance.

Does My Car Insurance Still Cover Me If Someone Else Was Driving?
In general, your car insurance should still provide coverage even though someone else was driving your vehicle. There are some exceptions, however.

You allow someone without a valid drivers’ license to drive the vehicle.
You allow someone under the influence of drugs or alcohol to drive the vehicle.
You allow an excluded driver to drive the vehicle.

You allow an excluded driver to drive the vehicle.

With a car insurance policy, you can add a list of excluded drivers who are not allowed to drive the vehicle. If an excluded driver steals the vehicle, your car insurance will cover you. If you knowingly allow an excluded driver to drive the insured vehicle, however, any damage they cause likely won’t be covered.

Speak with your insurance agent about what is and is not covered under your auto insurance policy.

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