Chances are that you have a good idea of what your auto insurance covers. However, understanding what your auto insurance doesn’t cover can be just as important.
Insurance Warehouses of America, operating from Orlando, FL, and serving the entire state, can arrange coverage for these common omissions from standard auto insurance policies.
Personal Property Left in Your Car
If your car is stolen or destroyed, comprehensive coverage will pay to replace it. Nevertheless, auto insurance will not replace the personal possessions inside your car that may have been lost along with it. Your personal property is covered by your homeowner’s or renter’s policy instead.
Upgrades, Modifications, and Custom Parts
Most auto policies cover custom parts and modifications up to a $1000 limit. This may be insufficient to replace your rims, lift kit, spoilers, or audio system. We assist customers in finding higher limits for their custom parts’ replacement values.
Unlisted Drivers
People whom you give permission to drive your car may be covered by your insurance. However, this isn’t the case with every policy. Some companies require you to list the individuals you will permit to operate your car when you procure your coverage. Otherwise, any accidents or damages they cause while operating your car will not be covered.
Commercial Use
Are you using your car for deliveries or picking up passengers for Lyft or Uber? Your personal auto insurance does not cover the business use of your car. You’ll need a separate commercial insurance policy if you’re using your vehicle for ridesharing, deliveries, or even running errands for work.
Insurance Warehouses of America serves drivers in Orlando, FL, and throughout the state. Call us today to review your policy and ensure you have all the coverage you need!
Pet Injuries
It isn’t just humans who can be injured in auto accidents—pets can be injured as well. Insurance Warehouses of America can assist you in finding suitable pet insurance.
