seven Things You Never Knew Auto insurance Would Cover

When you think about surprises involving your car insurance coverage, visions of mishandled statements or rate increases could be the first things to spring to mind. However car insurance surprises can be great, too - and non-e is sweeter than studying you're covered for expenses you thought you'd must pay yourself.

"People don't understand all of the benefits that are constructed into their policy, " states Robert Passmore, assistant vp of the Property Casualty Insurance companies Association of America, a market trade group. But if you go through your policy closely, this individual says, you might be surprised in what's covered.

Here are 7 unexpected things car insurance may cover.

1 . Your pet's injuries
Pets frequently trip in cars - as well as without little seatbelts. Dog injury coverage is available through companies such as Progressive, Erie and Chubb. This protection helps pay for injury therapy for your dog or cat if they are hurt while riding in the vehicle. The typical payment limit is actually $500 to $1, 000 per incident, although Chubb provides up to $2, 000. Pet injury coverage may be included automatically if you choose collision and comprehensive; request your insurer.

2 . Dropped wages after a car accident
In case injuries from a car accident lead you to miss work, your car insurance policy may be able to help get back a few or all of the wages that is lost. This benefit is portion of personal injury protection, which covers accidents for you and your passengers no matter who caused the accident. PIP is required in twelve states and optional within eight others.

"Make absolute to ask your insurer in case wage reimbursement is included within your PIP coverage, as says have slightly different laws, " says Jeanne Salvatore from the Insurance Information Institute, a business trade group. Some declares may not offer this advantage, and in others you may need to demand it.

3. Riots
With regard to city dwellers who leave their own cars on the street, there is potential for car damage coming from nasty weather, unpracticed similar parkers and, yes, actually riots. But whether a municipal protest becomes violent or even sports fans lose their particular cool after a big video game, your auto insurance policy can help pay money for damage. If you have comprehensive insurance coverage, Passmore says, shattered home windows, scratches, dents from throwing feet and other forms of riot-based vandalism are covered.

four. Earthquakes and floods
Simply because home insurance doesn't spend to repair damage from earthquakes or floods unless you purchase special coverage, you might presume your auto insurance policy won't, possibly. But add these organic disasters to the list of dangers covered under comprehensive car insurance. With any comprehensive or perhaps collision claim, your state check will be reduced from your deductible amount.

5. The friend's car accident with your automobile
There's often confusion regarding who pays if a buddy crashes your car. If a good friend borrows your car and causes an accident, your insurance pays -- and the claim goes on your own record. Liability insurance will pay for the damage and injuries triggered to others, up to your current policy limit, and crash coverage pays for the damage for your car.

Crashes caused by your mates could trigger a rate improve for you at renewal period, and you could also be on the connect for damages that surpass your liability limits, therefore it's important to trust anyone who you hand the secrets and know the potential implications of loaning your car.

six. Space junk
If particles from asteroids, meteors or maybe orbiting satellites ever hurtles toward Earth and on your car, your auto insurance policy can easily cover the damage. Falling items, even ones from area, are included under extensive coverage, so your repairs will be reimbursed, minus your insurance deductible. Comprehensive coverage also covers theft of your car, and for animal collisions, floods along with other damage not from automobile accidents.

7. Rodent damage
Squirrels, mice, chipmunks and other unwanted rodents are known to gnaw on electrical wiring within cars. If you have comprehensive insurance, your repairs are generally protected. Exceptions include cases whenever your vehicle is in storage as well as parked on the street.

Regardless how unlikely it seems that an issue is going to be covered, Passmore recommends requesting your insurer about it. Do not assume your auto insurance policy will not pay for oddball problems; you may lose out on financial help to that you're entitled.

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