Most people expect their car insurance policy to include coverage for situations such as an accident or theft. However, there is a good chance that your policy includes coverage that you are unaware of. Although you may sometimes have to pay extra for these additional types of coverage, many find that it is well worth the money.
Here are five things you didn’t know your car insurance policy could cover:
1. Injured Pet
You are driving down the road with your dog and boom – another car hits you. Not only are you worried about your own safety, but you are concerned about the overall well being of your pet as well. This is particularly true because your pet will not have the luxury of a seatbelt. Even in a minor accident, your pet could be injured which leads to extensive vet bills.
Depending on your insurer and the type of coverage you have purchased, your policy may pay for some or all of these bills.
2. Stupid Friend
A friend is a friend, even if he or she is stupid from time to time. Unfortunately, this can lead to a lot of stress if you loan out your vehicle and something goes wrong.
The good thing is that your insurance policy will protect you regardless of if your friend has insurance. In other words, your policy follows your vehicle.
3. Act of Terrorism
As scary as it may sound, terrorism is a growing problem in today’s day and age. If terrorists attack your neighborhood and your car is damaged along the way, it is going to be covered by your policy.
Tip: This is only the case if you have comprehensive coverage. Those who opt for liability coverage online will not be covered against a vehicle that is damaged or completely destroyed due to terrorism.
4. Flat Tires
A flat tire can cause you a lot of trouble. Not only do you have to wait on the side of the road for help, but it can also cost a lot of money to replace or repair. The good thing is that your car insurance policy can come to the rescue.
If you have roadside assistance coverage, you are likely covered for the cost of a professional coming to your vehicle and changing the tire for you.
5. Getting Locked Out
This falls into the same category as number four above. Although many new cars have “smart keys” that protect against this, you never know when you are going to slip up.
Once again, you are protected as long as you have added roadside assistance coverage to your policy.
Note: It may sound expensive, but most people find that roadside assistance coverage can be added for just a few dollars a month.
Remember, just because your auto policy could cover these things does not mean that it does. Contact your agent to discuss these five types of coverage, including whether they are available and how much it will cost.