Car Insurance: Things you Need to Know

Find out the top things you need to know about car insurance. Here you will discover the best tips & tricks. Read on!

Find out the top things you need to know about car insurance. Here you will discover the best tips & tricks. Read on!

Car insurance usually gives us the necessary peace of mind when it comes to the protection of our vehicles. Especially if it is a comprehensive coverage insurance, then, in general, they cover any type of loss: from auto parts theft to a serious accident or the total theft of your car.

However, there are some situations whose particularity cannot be contemplated in any clause of the auto insurance contract, regardless of the level of coverage of this.

Next, we will present a list of 5 things that are borne by the client regardless of whether their car is insured.

Car insurance usually gives us the necessary peace of mind when it comes to the protection of our vehicles

Damage caused on purpose

If hysteria took hold of you in traffic and you started a never-ending row for a lane, your car could suffer a mishap. This is a very common thing: two drivers fight and end up causing damage to their cars. In this case, the insurance will not take care of the situation since the damage will practically have been intentional.

If someone you know (family member, friend, etc.) steals your car
If you lend your friend the keys to go for a drive and your car never comes back, the insurer tends to dissociate itself from the problem, considering the matter as breach of trust and the theft clause does not apply in these cases.

Driving while intoxicated

In addition to putting your life and the lives of others at risk, if something happens to your car or you cause an accident, you will have to take care of yourself. The insurance policies are clear in this regard and specify the cancellation of the clauses in the event that the driver of the vehicle has taken the wheel under the influence of alcohol.

Terrorism-related damages

Terrorism-related damages

It is a very unlikely case, but in one of those, it occurs to your neighbor to feel inside Grand Theft Auto IV and he puts a bomb to the cars of the colony. In cases of terrorism, direct or indirect damage to your car will not be covered by insurance.

Damages for public works

If you came across some type of road repair or public work and it caused damage to your car, the damages must be paid by the operator of the same and not by your insurance. In the event that the company in charge of the work refuses to pay for what happened, the expenses will have to be borne by you.

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