Surprising Things Your Auto Insurance Might Cover

You’re likely aware of the general basics of auto insurance; the right policy may play an integral role in fulfilling legal obligations while also helping you manage the financial consequences of car accidents and other vehicular damage. However, there are many aspects of auto insurance of which you might be unaware. At Matt Roenker Insurance Agency, we take pride in having in-depth auto insurance knowledge and making sure you understand all your options.

5 Situations You Might Not Realize Can Be Covered

You should first understand that coverage capabilities and limitations may vary among auto insurance carriers and policies. While some of these incidents and losses might be covered by some insurers, you might have to conduct a widespread search and ask about specific features. Still, by working with one of our qualified insurance professionals, you might be able to find a policy that can assist with the following:

1. Accidents while a friend borrows your car—Although you might think that only insureds specifically listed in your policy are covered, your coverage may extend to individuals if you give them permission to use your vehicle.

1. Rental car costs—At some point, your car may need to be in the shop for a couple of days. In these situations, you might be surprised to know that your auto insurance can potentially reimburse you when paying for a rental.

1. Lost income after an accident—If you have personal injury protection (PIP), you might be able to curb the financial consequences of an accident in which you’re injured, even if you were at fault. Additionally, PIP may help you pay medical bills and other resulting expenses.

1. Pet injuries—In some cases, auto insurance may reimburse you for veterinary bills if your dog or cat is injured in a car accident. For example, if you were at fault in an accident but have collision coverage, your policy might pay out since animals are typically classified as personal property.

1. Damage to rental vehicles—In addition to helping pay for renting a car, your insurance might also extend to your temporary vehicle. However, this can be a nuanced situation. For example, rentals that are significantly more valuable than your insured vehicle might require you to purchase separate coverage.

We’re Here to Help

Contact Matt Roenker Insurance Agency in Virginia Beach, VA today to learn more about auto insurance and find a policy that suits your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.