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
Does Auto Insurance Cover Riots?
No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.
Various Tips to Protect and Maintain Your Car
According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.
Why You Should Avoid a Lapse in Auto Insurance Coverage
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.