List of Car Insurance Exclusions

When you buy a car in Florida, the state requires that you purchase auto insurance to protect your interests. Most of us know that auto insurance protects vehicle owners from financial losses arising from road accidents, natural disasters or theft. Having an auto insurance policy is mandatory for car owners and drivers in Florida and several other states.

While a typical car insurance policy can include several types of coverage, there are certain losses you cannot claim. Here’s a quick look at what is not covered by your auto insurance company:

·         Wear or depreciation of vehicle: Although your insurance company will cover damage to your car due to an accident, you cannot seek compensation for damages caused by normal wear and tear. Similarly, auto insurance companies do offer coverage for loss of the car’s value due to depreciation.

·         Broken, damaged glass or tire: Car insurance companies will not give coverage for flat or punctured tires or a broken glass.

 Car Insurance Exclusions

Car Insurance Exclusions

·         Mechanical, electrical or structural issues: Generally speaking, auto insurance policies will not cover mechanical, electrical or structural failures. This is primary because a car insurance policy is designed to covers damage not failures. If your car’s power windows stop working after colliding into another car then it is counted as damage.

·         Personal belongings: When it comes to coverage for your personal belongings, your insurance company will pay only for the damages caused to your car and not the personal belongings (laptop, phone, etc.) that were inside your vehicle.

·         Asbestos or environmental contamination: Auto insurers are not responsible for covering damages to your car that arise from environmental contamination.

·         Terrorism: From war to acts of terrorism, insurance companies are not liable to pay for damage from these events.

·         Deliberate damage: Apart from theft and vandalism, vehicle owners cannot claim compensation for deliberate damage to vehicles.

·         Unapproved repairs: Your insurance policy has a list of approved repair companies for repair work. If you contact an unapproved repair company, your auto insurance company will not cover the expenses.

Before you purchase an auto insurance policy, make sure you understand what is covered and what is not covered. Check the terms and rates carefully to avoid unexpected surprises when you will be making claim.

If you are looking for the most comprehensive car insurance policy in Bradenton, contact us. We’re committed to providing clients with the best insurance and services in Florida.


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