When it comes to car insurance, everyone knows it can cover accidents, theft, vandalism and damage. But did you know your pets medical bills can be picked up in the event of a car accident? What about protection from terrorism? There are a number of interesting ways car insurers have your back that you may have never realized.
There is no secret that a dog is a man’s best friend. A lot of people consider their pets to be part of the family, so it only makes sense that they get treated as a member of the family. With pets often riding in the car, it is a little difficult to buckle them in and the slightest collision can result in injury and high veterinary bills. Fortunately, depending on where you live car insurers sometimes pick up the bill.
Something hopefully no one will be faced with in the states is terrorism, but if the time does come you are covered. If a terrorism group were to bring bombs into the neighborhood or try to wreak havoc, your car insurance policy will cover the damage if you have comprehensive coverage. However, you are out of luck if liability is as far as you go.
An area that affects the younger population more is partying with drunken nights as a result. What you may not realize is the finger of blame goes to you if one of your guests leaves drunk and causes an accident. To protect you to the fullest, it is vital you have adequate liability coverage to ensure you do not get thrown under the bus.
What about if you loan your car to a friend and they crash it? Regardless of whether your friend is insured or not, car insurers will come to your rescue as the policy insures your vehicle, you, any relative and anyone else using your cir if the use is with your permission. Just note that you will have to pay the deductible for any collision claim.
Believe it or not, what is stolen from your car is not always covered. Theft of personal property is completely covered under home insurance, but car insurance does not cover personal possessions that have been stolen. So you may want to think twice before stashing Christmas presents or your significant other’s birthday present next time.
Car insurers cover a vast number of circumstances, many you may have never even thought about. And while you may say that a lot of this, like terrorists in your neighborhood is pointless, it will certainly keep you thinking the next time you allow a friend to drive home drunk or when the holiday season rolls around.
