Understanding Exclusions in Your Personal Auto Car Insurance Policy

When you buy a new car insurance policy, your agent will explain to you what it covers and any specific exclusions. These listed exclusions mean these particular events will not be covered. Here  is a list to help in understanding exclusions in your personal auto car insurance policy.

Find the Perfect Auto Insurance Policy for Your Car With These 3 Tips

Source: edmunds.com

  • Bodily and property liability exclusions are probably the most common. These exclude, for example, collision with your own property or if you injured yourself or others on purpose.
  • Often delivery services such as taxi or pizza delivery are excluded from your policy. As a rule of thumb, any time you’re using your car for business purposes, it voids your policy.
  • Car sharing programs and other cases where you lend your vehicle to other people may be excluded from your policy. This can also apply to certain individuals that might drive your car.
  • Physical damage and collision coverage will most likely exclude such items as wear and tear to the vehicle, freezing damage, and any intentional damage. It will also exclude any damage your vehicle incurs if you use it as a race car.
  • Your policy will probably exclude personal items in the vehicle, such as the radio or GPS unless you specifically have them added. Any electronic equipment not installed in the vehicle likely will be excluded too.
  • Most of the items covered under your insurance policy will be voided if you at any time use your vehicle as a residence.

Understanding exclusions in your personal auto car insurance policy is important. Always read your policy carefully. If you are in doubt or have any questions, you can always contact the friendly experts at Schumacher Insurance Group.



About Schumacher Insurance Agency

Why trust us? What do we do different than every other insurance agency? Consider this an invitation to get to know us. We believe we are an exceptional team of protection specialists that work hard to do things the right way, to educate our clients on insurance, and make the experience effortless. We are excited to introduce a new insurance experience for our customers. We encourage you to speak with our team who can show you how different we are… from text messaging services for late payments to educational insurance concepts on Facebook. We will prove our innovative approaches to obtain the proper coverage’s for you, your family, your business. Insurance is likely not the most interesting affair for everyone, but it is most certainly ours! Yes, we are insurance geeks!

Posted on April 12, 2015, in Agency and tagged , , , . Bookmark the permalink. Leave a comment.

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