5 Surprising Things Your Car Insurance Might Cover (But You Didn’t Know)

Car insurance is often seen as a necessary evil – a monthly expense that protects you in case of accidents. But did you know that your policy might be hiding some unexpected benefits?

Beyond the basics of collision and theft, many car insurance policies offer surprising coverage for a wide range of situations. Here are five interesting things you might not know your car insurance covers:

Rodent Damage

Those furry little creatures you see scampering around can be more than just a nuisance.

Mice and squirrels love to chew on car wires, causing costly damage to your vehicle’s electrical system. They can also build nests in your car using materials like insulation and fabric, creating fire hazards and unpleasant odors. If you suspect rodent activity in your car, it’s important to take action quickly to prevent further damage.

Thankfully, most comprehensive coverage plans include protection against rodent damage.

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Lost Wages

Being injured in a car accident can be physically and financially devastating. But did you know that some car insurance policies offer “loss of income” or “disability income” coverage?

If a car accident leaves you injured and unable to work, certain types of car insurance can help replace your lost income. This can help replace your lost wages while you recover from your injuries.

To qualify, you’ll need to provide documentation of your injury and lost wages. Remember, coverage details vary across policies, so check yours or talk to your agent to understand your specific benefits.

Car Rental Expenses

If your car is in the shop after an accident, the last thing you want to worry about is getting around. Fortunately, many car insurance policies offer “rental car reimbursement” or “transportation expense” coverage. This helps cover the cost of a rental car while your vehicle is being repaired.

Here’s how it works:

1. Covered Event: Your car is damaged in a covered event and needs to be repaired.
2. Claim Filed: You file a claim with your insurance company.
3. Rental Approved: Your insurance company approves your claim for rental car reimbursement.
4. Rental Arranged: You rent a car from an approved rental agency.
5. Reimbursement: Your insurance company reimburses you for the cost of the rental car, up to a certain limit per day and for a certain number of days.

Here are some things to keep in mind about rental car reimbursement:

• Coverage Limits: Most policies have limits on the daily and total amount they will reimburse for rental car expenses.
• Rental Period: The length of time your insurance will cover a rental car usually depends on the estimated repair time for your car.
• Approved Agencies: Your insurance company may have a list of approved rental agencies that you must use to receive reimbursement.
• Deductible: You may have to pay a deductible before your insurance company starts reimbursing you for the rental car.

To ensure you’re prepared in case of a car accident, it’s important to:

• Review your policy: Understand your coverage limits and any specific requirements for rental car reimbursement.
• Ask questions: Don’t hesitate to ask your insurance agent about any questions you have about your coverage.
• Keep records: Maintain copies of your rental car agreement and receipts for easier claim processing.

By understanding how car insurance can cover car rental expenses, you can be confident you’ll have reliable transportation while your car is being repaired.

Uninsured/Underinsured Motorist Coverage

Hitting the road comes with the risk of encountering uninsured or underinsured drivers. This type of coverage protects you and your passengers from financial losses if you’re involved in an accident caused by someone who doesn’t have enough insurance (or none at all).

Here’s how it works:

1. Accident occurs: You’re in an accident with another driver who is at fault.
2. Limited or no insurance: The at-fault driver either has no insurance or their insurance coverage limits are not enough to cover your damages.
3. UM/UIM claim filed: You file a claim with your own insurance company under your UM/UIM coverage.
4. Claim reviewed: Your insurance company investigates the accident and verifies the other driver’s lack of insurance or insufficient coverage.
5. Claim payout: If your claim is approved, your insurance company will pay you for your covered damages, up to the limits of your UM/UIM coverage.

Benefits of UM/UIM coverage:

• Financial protection: Helps cover medical bills, lost wages, and other damages if you’re hit by an uninsured or underinsured driver.
• Peace of mind: Provides financial security knowing you’re protected regardless of the other driver’s insurance status.
• Increased compensation: Can offer higher limits than your standard liability coverage.

Remember: UM/UIM coverage is typically optional, so you need to add it to your policy explicitly. Discuss your options with your insurance agent to determine the right coverage level for your needs.

Meteor Damage

Yes, you read that right! While it might seem like something out of a sci-fi movie, some car insurance policies actually cover damage caused by falling objects, including meteors. While the chances of your car getting hit by a meteor are slim, it’s good to know you’re covered if the unthinkable happens.

Beyond the Basics

These are just a few examples of the unexpected things your car insurance might cover. It’s important to remember that coverage varies depending on your specific policy and insurance provider. Always review your policy documents carefully to understand what is and is not covered.

Here are some additional tips:

• Talk to your insurance agent: Don’t hesitate to ask questions about your coverage and explore any additional options that might be available.
• Review your policy regularly: As your life and driving habits change, your insurance needs may change as well. Regularly review your policy and adjust your coverage as needed.
• Shop around: Compare rates and coverage options from different insurance companies to ensure you’re getting the best deal.

By being aware of the unexpected benefits your car insurance offers, you can ensure you’re fully protected on the road.