Auto insurance gaps can push you into a sinkhole.
Car insurance is designed to protect you, your vehicle, and finances from suffering hardship in the event of an accident or incident. When it comes to deciding on a policy of such importance, many motorists opt for a low-pay, low-coverage option, or simply the first policy online.
However, drivers should note that no two drivers, finances, and vehicles are the same. In turn, tailored policies are there to protect every driver. There may be incidents and circumstances that your car insurance policy may not cover – and that you’re unaware of. When it comes to filing a claim, you’ll be wishing that you picked up the coverage that could have protected you.
Mind the gap in your policies by reviewing your coverage for the following:
Covered Drivers and Vehicles
Which drivers and vehicles are covered by your policy? Many cover you and your family members living at the same address. Additionally, while your child who is residing in a college dorm may be covered, your other child living in an off-campus apartment may be excluded from coverage. If they’re both driving the car, you’ll need to double-check the policy terms.
You’ve popped into the supermarket just for a moment. You come back to your car to find that your new laptop, tablet, and phone have been stolen from your vehicle. Don’t turn to your auto insurance for coverage as it may not protect your devices from getting stolen or damaged. (Hint: however, your homeowners’ insurance may!).
Custom Car Parts
If you have a decked out car with new technology, custom seats, and aesthetic or performance enhancements, you’ll need to call your insurer to get these cool additions covered. Many insurers offer an optional customized parts and equipment policy.
With the right coverage, you won’t have to face financial hardship. Staying safe on the road has never been easier with auto insurance! Contact Insurance and Mortgage Services to receive the best rate and coverage for your needs today.