Will Auto Insurance Cover More Than Just My Vehicle?
You already know that your auto insurance policy pays to get your car back to pre-accident condition but what happens if a personal belonging, something not attached to your vehicle, gets damaged in the accident?
Well, if you have “Comprehensive Coverage” your car itself would be covered after you pay your deductible. “Comp” (for short) will cover things like a broken door lock, smashed windows, punctured tires, etc., those items that are part of the car.
Personal items such as a tablet, wallet, or any personal valuables are not generally covered in your auto insurance policy. Those items would be covered in your homeowners/renters policy. You would have a deductible to pay for first, and then you’d need to consider the consequences of a claim on your homeowners policy.
Does Your Auto Insurance Policy Cover Vandalism?
After you pay your deductible, Comprehensive coverage should cover the damages to your vehicle if it is vandalized. You’ll want to make sure you:
Call the police right away to report what happened
Make note and take pictures of all damages to your car
Call the claims department or your agent to file a claim. You will need to have the list of damages, pictures, and a list of any items that were stolen.
Getting Help From Nevada Insurance Enrollment
Not sure what your auto insurance policy covers? Talk to your insurance agent to review your coverage options and to discuss how you and your belongings are protected in the event of an accident.
Recent Posts
HRA vs Employer Sponsored Health Insurance
An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.
Can You Choose Between Medicaid or Obamacare for Health Insurance?
The good news is that even those with very limited incomes can get low-cost health insurance or even free medical coverage through the Affordable Care Act’s Marketplace health insurance plans, often referred to as Obamacare, or through Nevada Medicaid.
Saving Money on Health Insurance With Negotiated Pricing
The majority of health insurance companies have a contract with a network of hospitals and other providers. In this contract, there are negotiated rates for different services. This negotiated rate is generally lower and sometimes significantly lower than what a provider would charge someone who is paying out of pocket.