What Is Not Covered In Your Auto Insurance?

​If you are familiar with insurance plans, you know that everything in that coverage is connotated with an asterisk. The exclusions, terms, and conditions, which are frequently in fine print and packed with jargon, are written alongside what is covered in big, bold letters. Your auto insurance policy is the same.

Understanding the connected conditions is even more difficult if the coverage is a complete or bundled plan, which includes both own damages and third-party liability insurance. Let's examine the principal exclusions in your auto insurance coverage. These are files that authorities will look for during the investigation. 

1. Driving Without Documents
   Most states require every car owner to have auto insurance. If you get into an accident, you might not be covered for any loss and damage if you drove your car without bringing mandatory documents. These documents are mainly your driver’s license, car registration certificate, and insurance papers. So, be sure to always bring them with you.
   
   
2. Unrenewed Documents
   Keep in mind that you should always have a current auto insurance policy. The date of your policy's renewal should be kept in mind. Although your insurer may contact you via calls, SMS, or mail to remind you to renew, it is your obligation to do so before the policy expires. 
   
   If you have a policy that is out-of-date or lapsed and you become involved in a car accident, your insurer won't pay out on the resulting claim. As a result, you should promptly renew your auto insurance coverage. 
   
   
3. Other People Driving Your Car
   You might not have complete coverage under your car insurance policy if a friend or member of your family operates your vehicle and an accident occurs. Some insurance providers may only cover an incident if you were riding in the car, while others may only if the driver is named on your policy.
   
   Family members are covered by some insurance, but not friends. Companies still limit the amount of coverage while covering any authorized driver that operates your vehicle. Verify that your auto insurance coverage conditions match your demands by checking on your policy.

Conclusion
To ensure you obtain the greatest insurance for your car, ensure that you get one with the most assets, as there is naturally a lot that needs to be added when it comes to auto insurance.

At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed. Consult with your agents to determine what your policy does and does not cover. We are more than happy to help!