If you’re looking for auto insurance, it’s important to know what is and isn’t covered in your policy. There are several exclusions that are common among auto insurance policies, and it’s important to be aware of them before you sign up.
Here are some of the most common exclusions in auto insurance policies
Mechanical Breakdowns
Auto insurance policies typically exclude coverage for mechanical breakdowns. This means that if your car breaks down and needs repairs, you’ll have to pay for them out of your own pocket. To avoid being caught off guard by this exclusion, it’s a good idea to create a savings fund that you can dip into in case of an emergency.
Wear and Tear
Another common exclusion in auto insurance policies is wear and tear. This refers to the gradual deterioration of your vehicle over time. Since this is something that happens to all cars eventually, most insurers will not cover it. If you want coverage for wear and tear, you may need to purchase a separate policy or rider.
Modifications
Most auto insurance policies will exclude coverage for any modifications you make to your car. This includes things like aftermarket parts, custom paint jobs, and upgraded stereo systems. If you have modified your car in any way, be sure to check with your insurer to see if you are still covered.
Racing
Auto insurance policies will also exclude coverage for any racing activities. This includes both legal and illegal races. If you’re caught racing, your insurer may choose to cancel your policy altogether. You need to consult a professional insurance provider such as Insuran LLC in Central Ohio to see what can be done if you like to race.
Give Us A Call
As you can see, there are quite a few exclusions in auto insurance policies. Some of them are more common than others, but all of them are important to be aware of. Insuran LLC in Central Ohio is here to help you make sure that you have the coverage you need and that you understand your policy. Give us a call today! We would be more than happy to answer any of your questions.
