Taking the right vehicle insurance policies can help owners handle financial crises that are often the inevitable outcomes of damages, accidents, collisions and other such unfortunate situations. However, it is necessary to be acquainted with the fact that car insurance policies seldom offer complete and all inclusive cover making it very necessary for buyers to take a close look at the list of exclusions before saying yes to the policy. Some of these exclusions can be mentioned as follows…
- Damage caused by DUI – If you have been driving under influence and damaged the vehicle as a result of it, the best thing you could do is search ‘emergency auto repair near me’ than call your insurance company. This is because the latter will in no way cover losses arising out of driving under influence.
- Damage caused by unauthorized individual driving the vehicle – If you have allowed someone that does not possess valid license to get behind the wheels; an act that is followed with inevitable damages, you cannot fall back on insurance to cover the cost.
- Self inflicted damages – This basically refers to causing deliberate harm to your vehicle so that you can make some insurance money on the same. Claim inspectors are usually very clever and can penalize vehicle owners that resort to such acts.
- Consequential losses – This refers to conscious acts carried out by the owner whether in emergency situations or otherwise that leads to damages. These events are not covered by insurance because the damage does not result from any unforeseen calamity.
- Policy lapse – ‘Emergency auto repair near me’ should also feature in your search if your insurance policy has lapsed for certain reason. Be it nonpayment of premium or non renewal, lapsed policies even by a minute cannot be claimed.
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