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The following are some of the items that auto insurance does not cover.

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Personal belongings in the vehicle: Cash, jewelry, electronics, and other items taken from your car are not covered by your auto insurance. Your renters’ or homeowners’ insurance, however, may.

Pet injury while in the car: Unless you have pet injury coverage, your vehicle insurance will not cover your pet’s medical expenses if they are hurt in an automobile accident.

Normal wear and tear: Generally speaking, regular maintenance and replacement expenses—like new spark plugs or an oil change—are not covered by auto insurance.

Accessories, aftermarket add-ons, and modifications: Unless you’ve added a custom parts and equipment rider to your policy, your insurance won’t replace aftermarket add-ons, spoilers, or rims that you’ve installed.

Intentional damage: Avoid intentionally damaging your vehicle in the hopes of receiving a settlement from your insurance company. If you do, it won’t be covered, and your insurer may terminate your coverage.

Criminal usage: If you use your car for illegal purposes, your insurance company will not cover the costs.

Use in racing: You also shouldn’t count on your insurance to pay for harm sustained while drag racing. Check out the motorsports policies if you wish to compete on the racetrack.

Ridesharing: If a driver uses their vehicle for food delivery, Uber, or Lyft, their insurance policy may not cover incidents that happen while they are “on the clock.” But as an add-on, ridesharing insurance is provided by some insurers.

Unlicensed or excluded drivers: You could not be protected in the event that a kid, an unlicensed driver, or someone else who is not covered by your insurance drives your car and gets into an accident.

Car Insurance Coverage That Is Optional

Auto insurance providers sell add-ons that are optional. Although they can differ from firm to company, some of the typical ones are as follows:

Roadside assistance: This covers the expense of providing roadside assistance, such replacing a flat tire, towing, or opening your car door if you lock yourself out.

Replacement of a wrecked automobile with a new one of the same make and model is made possible in part by this kind of coverage. Generally, coverage is restricted to very new cars—two years old, for instance—although each insurer has a different cutoff point.

Mechanical breakdown insurance is a type of coverage that is comparable to a warranty and is typically offered for new cars. If your automobile has a mechanical issue, it helps pay for the cost of repairs or new parts.

Rental reimbursement: If you have a covered claim, this add-on will pay for the cost of a rental car while your automobile is being repaired. When your automobile is in the shop for regular maintenance, it is not applicable.

Insurance for ridesharing drivers: This type of insurance covers you in the event that an accident occurs while you are operating a vehicle for a ridesharing firm. Generally, ridesharing services do not provide coverage while you are driving for them under personal vehicle insurance plans.

Gap insurance: It will assist in making up the difference between what the insurance company will pay and what you owe on your auto loan or lease if your vehicle is declared “totaled” after an accident.

Do I Need a Certain Amount of Car Insurance?

Start by examining your state’s laws to ascertain the minimum amount of auto insurance you require. The majority of states mandate liability insurance for drivers, but some also demand other kinds of coverage, such as personal injury protection (PIP) or uninsured motorist coverage.

It’s also advisable to speak with the lender or lessor if you finance or lease your car in order to find out what kind and quantity of coverage is necessary under the terms of your loan or lease.

Remember that insurance coverage requirements differ and that these are only beginning points. Consider getting a policy with larger coverage limits if you have assets you want to protect or don’t think you could pay the costs of legal counsel, medical care, or repairs following an accident.

What if your vehicle is a classic?

In place of a regular motor coverage, you could want classic car insurance if you possess an antique, vintage, or rare vehicle.

A car’s age, condition, and depreciation will all be taken into account when determining the real cash value that standard auto insurance will pay policyholders. There is usually agreed-value replacement coverage included in a historic automobile policy. The worth of your car will be agreed upon when you get insurance.

Car Insurance: How Much Does It Cost?

Our research of insurers indicates that the average annual cost of a car insurance policy is $2,068 nationwide. Your age, location, driving history, kind of vehicle, insurance score, and other variables are taken into account by auto insurers when calculating your premium.

The coverage you select, the deductible, and the limitations you select all affect how much auto insurance will cost. It’s important to shop around and compare quotes from at least three different insurers in order to discover the greatest coverage for your needs at the lowest cost for auto insurance.