Car insurance covers a lot of things, some you may not expect. However, what may be more unexpected are the things your auto insurance doesn’t cover. Some may sound obvious once you actually give them thought, but others may sound like stuff you accepted was covered out of common sense. Well, turns out there’s a lot about auto insurance, and what is and is not covered, that many don’t know, which this article seeks to rectify. So, if you are curious the coverages for your auto insurance in Chicago, here is a short list of the most immediate examples.
#1. Personal belongings
If your car is stolen or vandalized, your auto insurance will cover the cost of the car. But not, however, the cost of everything that was inside when it was stolen/vandalized. For instance, if a thief breaks your window and steals your handbag, your insurance will cover the cost of the window, but not reimburse you for the cost of replacing the handbag or all of the very expensive belongings inside. However, if you file a police report about the theft, your homeowner’s or renter’s insurance will cover it.
#2. Roommates not covered by the policy
Your run-of-the-mill car insurance policy covers both you and anyone who doesn’t live with you but drives your car every now and then. However, if you suddenly find yourself with a new resident in your home, be it a girl/boyfriend, a relative, or a roommate, you’ll need to list them on your car insurance policy to have coverage when they take the car for a drive. Thankfully you can make this edit pretty easily by meeting with your insurance agent and letting them know about your problem.
#3. Custom parts
When you get car insurance, but see yourself possibly adding custom parts and equipment to your car in the future, ask your insurance agent about any plans they may have to cover said parts. Otherwise, if you get into an accident, those custom parts will not be covered by your insurance agency. The changes that fall under the “custom” category include, but are not limited to: wheelchair lifts, custom seats, performance enhancements, aesthetic enhancements, or any technology added that was no there when you bought it.
Be sure to ask your car insurance agent during your first meeting what is and is not covered by auto insurance.
