7 Unexpected Coverages Under Your Auto Insurance

​Most car owners likely think of auto insurance as a pile of papers, but it isn’t just like that. You’ll learn that auto insurance is useful for more than just accidents. You might be shocked by what your insurance covers. 

To use your auto insurance to its full extent, you must know everything it covers. This article lists the unexpected things your auto insurance policy covers that you must be aware of. 

1. Car Rent Expense
   If something happens and you can’t use your car, in the meantime, a car insurance policy can offer coverage for the costs of the car you rented.
   
   
2. Lost Wages
   With liability insurance, your insurance plan should pay for your medical expenses if you are hurt in an accident and unable to work. The insurance plan will claim lost pay if a car accident prevents you from completing your job tasks. 
   
   
3. File a Claim on the Uninsured Driver
   If you get in an accident involving an uninsured driver, you can file an uninsured motorist claim with your insurance.
   
   You may also file an uninsured motorist claim if you’re struck by an uninsured driver while walking in a pedestrian lane. The coverage includes all family members who live in your home, including children.
   
   
4. Accidents From Natural Disasters
   Your insurance policy should cover the damage from natural disasters like earthquakes. Since the damage to your car caused by a natural disaster is not your responsibility.
   
   
5. Accident Caused by Wild Animals
   Naturally, wild animals cannot think like people and cannot obey traffic laws. Damage to your vehicle should be covered by a comprehensive policy if you swerve to avoid hitting a deer and crash or if an animal like a bear enters your vehicle to look for food.
   
   
6. Travel Expenses
   If you're more than 100 miles from home, and your car is damaged, the accident and comprehensive insurance coverage should pay for a hotel stay and transportation while traveling home.
   
   
7. Detailing Expenses
   Most insurance policies will pay for detailing if the interior is stained due to an accident. Additionally, if your car is stolen and later found dirty, your insurance will usually pay for cleaning the car.

Gear Up!
You are probably surprised that these policies exist. However, the policies also depend on your auto insurance type. Nevertheless, you must read and understand all the policies covered by your insurance to ensure that your money is being put to good use.

At Jacobs Insurance Solutions, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (817) 485-8989. 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!