Standard auto insurance policies typically offer a decent amount of coverage, including liability coverage and underinsured motorist coverage. There are specific incidents that base packages do not cover, however, and we want you to be aware of them! That way, you can make sure you choose a policy that gives you full coverage while you’re on the road.
Theft of Items Within the Vehicle
If your car is vandalized or stolen altogether, you will have no reason to worry if you’ve chosen a comprehensive auto insurance policy. Insurance company responses differ when it comes to items lost due to break-ins. In this case, your insurance company would cover any damages incurred due to the break-in, but not the stolen items themselves. A good idea is to keep your doors locked and all valuables safely out of sight in your trunk. If items are stolen from your vehicle, our advice is to file a police report and rely on your homeowner’s insurance coverage to replace the items.
Custom Aftermarket Parts
Standard auto insurance policies do not cover custom parts added to your vehicle after its purchase. Such items can include:
- Technology (stereos, TVs, DVD players, communication systems)
- Custom seats and other interior upgrades
- Exterior enhancements (rims, paint, spoilers)
- Performance upgrades
It is still possible to get coverage for these items if you specifically explore custom part policies with your insurance company.
People Who Live with You and Aren’t Listed on the Policy
Auto insurance policies only cover named drivers of the insured vehicle. Thus, if someone borrows your car and is involved in an accident, your insurer may not cover the damages. Luckily, this issue is generally easy to avoid by talking to your insurance agent to ensure that each licensed member of your household is listed on your policy.
Choose Auto Insurance Coverage that Works for You at Freedom Insurance
We offer comprehensive, customized coverage from numerous major insurance carriers and make it easier than ever to find affordable policies that are exactly what you need. We have been serving clients throughout the greater Howard County and Carroll County areas since 1979, and we look forward to helping you and your family thrive. Get in touch today by calling (410) 795-2000 or requesting a free quote.
