Three Things Your Car Insurance May Not Cover

Have you ever read your entire car insurance policy? It’s not what I’d call an easy or fun experience. But I strongly recommend you take the time to read it from cover to cover. It’s the only way you will know what your car insurance covers. And what it doesn’t!

Here are three things your car insurance policy may not cover.

  1. Personal Possessions: The personal possessions in your vehicle are not covered by your car’s insurance policy. If your car is damaged or in an accident or stolen, your policy usually covers your vehicle but not what’s inside it. If your GPS unit, cell phone, laptop, MP3 player, purse, briefcase, or other valuables are destroyed or stolen, you will not be reimbursed. Don’t offer thieves any temptation, always remove valuables from your car or place them in your trunk before leaving your vehicle. I’ve made this mistake myself. It takes 30 seconds to lock your valuables in the trunk and the same amount of time for a thief to break your car’s window and steal your valuables that are in plain sight.
  2. Pet Injuries: Our pets are family, but if they’re injured while riding in your car due to an auto accident, you generally do not receive any money to pay the veterinarian bills. There are some car insurance companies that cover these costs, but the time to find out if they do, is now. If your car insurance company doesn’t cover pet injuries, you might check one of the many pet insurance companies to see if they offer coverage for injuries sustained by your pet in an auto accident.
  3. Taxes and Fees for a Totaled Car: If you’re in an auto accident and the insurance company declares your car a total loss, the taxes and registration fees on your vehicle may be covered by your insurance company. The rules for each state are different, so please look for this coverage in your policy. Check with your insurance carrier as soon as possible after your auto accident to learn if these taxes and fees are recoverable.

When shopping for auto insurance, price of coverage is what most people look for first. But remember, like most things you buy, you get what you pay for.

Robert M. Cohen
Attorney at Law
Walker & Walker Attorney Network at 1-800-THE-LAW2

The information within the blog is not to be construed as legal advice.