What’s not covered by an auto insurance policy?

Most would agree that auto insurance provides drivers with many necessary benefits and protection. It covers many different situations, from liability and injury to property damage and many other areas. Conversely, specific situations and circumstances wouldn’t be covered by auto insurance. Linda Dugan Insurance agency takes pride in educating Astoria, OR residents about auto insurance and what’s not covered under a standard auto insurance policy. Our group at Linda Dugan Insurance is committed to eliminating any confusion associated with auto insurance. 

Natural Disasters

Damage to your car sustained due to a natural disaster isn’t typically covered under your auto insurance policy. Damage from natural disasters is typically covered under an insurance policy designed specifically for natural disasters, renters, or homeowners insurance. For example, auto insurance doesn’t cover damage to your vehicle from hail, flooding, and other severe weather conditions.

Personal Possessions Inside of Your Car

Auto insurance won’t cover damage to the possessions inside of your car as a result of an accident or some other situation. Typically, renters insurance, homeowners, or other specific insurance designed for the circumstance would cover the damage.

Commercial Use

A personal auto insurance policy will not cover damage sustained by your vehicle due to commercial use. Business insurance would be the appropriate coverage for a car used for commercial business. 

Normal Wear and Tear/Maintenance and Auto Accessories 

Most of us understand that auto insurance will not cover damage or issues from normal wear and tear or your vehicle’s recommended maintenance. 
Auto accessories aren’t considered part of the covered costs associated with auto insurance. Auto accessories must be purchased and maintained independently of auto insurance. 

Intentional Damage/Injury

Intentional damage to your car and intentional injury isn’t covered by auto insurance. Liability auto insurance provides coverage for injury or damage to another driver’s car. Understanding what your auto insurance will and will not cover is essential. Our agents at Linda Dugan Insurance company are invested in helping Astoria, OR drivers understand what’s covered. Give us a call. We’d be happy to answer your questions.