What Does Your Car Insurance Policy Not Cover?


Being well-informed while purchasing your car insurance policy makes all the difference.

This includes knowing exactly what your policy covers, and what it does not cover. By delving into these details, you’ll be capable of making an educated purchase that covers all your needs. Plus, you’ll know all the aspects that are not covered, so you’re prepared beforehand.

Although details vary from policy to policy, having a generalized idea helps. So, let’s find out what your car insurance policy does not cover!

Your Belongings

Car insurance policies only cover the damages to your car, not any belongings you had in it. For example, if you had your phone or expensive jewelry in your car during the incident, any damages caused to these items will not be the responsibility of your auto insurance policy.

Be sure to check with your home insurance agent to find out if these items are covered under your homeowner’s insurance, though!

Car Damage While Someone Else Was Driving

Although this largely varies from policy to policy, most car insurance plans don’t cover destruction caused to your car while other people are driving it.

Some policies cover insured friends and family members, while others only consider the people explicitly mentioned in the policy. For accurate information, get in touch with your insurance provider.

Destruction Due To Natural Disasters

This may come off as surprising, but most car insurance policies do not cover damages caused due to natural disasters such as earthquakes, fires, and floods. 

If this is the case, you may have to purchase individual plans for each of these calamities. However, some comprehensive plans do cover such disasters, so it’s a good idea to read the terms and conditions of your particular car insurance policy.

Damage Caused While Using Your Car For Business Purposes

Insurers do not provide coverage while your car is being used for business purposes. 

This means if your car undergoes a collision while it is being used for commercial purposes, you can not make a claim for it.

If you do wish to insure your vehicle for business use, you can add coverage for commercial vehicles to your insurance plan.

General Maintenance

Unless you have a comprehensive policy, your insurance plan will not cover any regular repairs for your car. This includes replacing your tires or renewing your brakes. Remember, car insurance policies only make up for repairs needed after your car undergoes an accident.

Final Words

It’s always a good idea to be well-educated on what your car insurance policy does not cover. To learn about the exact details for your specific policy, speak to your insurance provider today.