What Car Insurance Does Not Cover

Car insurance is a great way to protect yourself and your vehicle from financial losses in the event of an accident. However, it’s important to remember that car insurance does not cover everything. Knowing what insurance does not cover can help you make more informed decisions about your insurance coverage and help you better manage your budget.

Damage from Natural Disasters

While car insurance is designed to protect you from financial damages in the event of an accident, it does not cover any damage caused by natural disasters. This includes floods, hurricanes, tornadoes, earthquakes, and other natural disasters. If your car is damaged in a natural disaster, you will be responsible for the cost of repairs.

Mechanical Breakdowns

Car insurance does not cover any mechanical breakdowns that occur to your vehicle. This includes engine problems, transmission problems, and other mechanical issues. If your car breaks down due to mechanical failure, you will be responsible for the cost of repairs.

Normal Wear and Tear

Car insurance does not cover normal wear and tear that occurs to your vehicle over time. This includes things like brakes wearing out, tires needing to be replaced, and other normal maintenance items. If you need to have any of these items replaced, you will need to pay for them out of pocket.

Accidents Caused by Intentional Acts

Car insurance does not cover any accidents that are caused by intentional acts. This means that if you are involved in an accident that is caused by someone intentionally running into your car, you will not be covered by insurance. You will be responsible for the cost of repairs.

Damage from Unauthorized Drivers

Car insurance does not typically cover any damage caused by an unauthorized driver. This means that if someone drives your car without your permission and causes an accident, you will not be covered by insurance. You will be responsible for the cost of repairs.

Final Thoughts

While car insurance is a great way to protect yourself from financial losses in the event of an accident, it does not cover everything. Knowing what insurance does not cover can help you make more informed decisions about your insurance coverage and help you better manage your budget. Be sure to carefully read your policy and speak to your insurance agent to make sure you have the coverage you need.