Car Insurance Claims: Three Things You May Not Realise Are Covered By Your Insurance
When thinking about car insurance, you already know that if your vehicle gets into an accident you are covered for any damage done to the vehicle itself. But, many consumers are not aware that when making car insurance claims, they can also claim for other types of damage that have occurred to the car. Here are three things to bear in mind before you submit a claim after an accident.
Injuries To Pets
Many people like to drive around with their pets in their vehicles, but very few owners tend to buckle up their canine and feline buddies. When a car comes to a screeching halt, however, a little animal can get tossed around the interior of a vehicle like a rag doll.
Pet injuries that require vet intervention are not cheap to fix, which is why you need to check the terms and conditions of your vehicle insurance policy. Many comprehensive insurance policies have a fixed amount that can be applied to pet injuries that occur within the car. If you are struggling to understand the wording of your policy, speak to your insurance agent for clarification.
When A Friend Borrows Your Car
It is hard to say no to your best friend when they want to borrow your car, but car insurance claims being lodged because the same friend had an accident are not uncommon.
The good news is that your policy should cover the vehicle damage that took place when someone else was driving. The liability portion of your insurance will also take care of damage to third party property, but only up to the policy limit. The bad news is that you may be on the receiving end of a rate increase if the accident was deemed to be the fault of your friend, and of course, you will need to pay any costs that are over the liability limits of your policy. Good deeds don’t come cheap in this scenario.
Creatures In Your Car
Recently, a snake dropped from the dashboard of a vehicle that was being driven by an Arkansas woman and it was impressive that this event did not to lead to major car damage. Luckily, the four-foot rat snake was not venomous and the driver was able to pull over and exit the vehicle.
Snakes don’t do too much damage to your vehicle, but a nesting rodent could do plenty if they decide to chew up some of your car wirings while looking for a place to hibernate over the winter. This damage should be covered by your insurance policy, however, you may find that the location you park your vehicle could have a bearing on whether this claim is approved or denied.
When it comes to making a car insurance claim, speak to your insurance agent if you have any questions about what you are, and are not, covered for by your policy. Policy wording can be a little confusing, but they have the expertise to answer every question you have for them.