Car insurance is there when you have an accident and your car needs to be repaired. Car insurance is there when you, or someone else gets hurt in a car accident and there are expensive medical bills. These a just two of the main reasons we have car insurance, and most people are aware that can insurance will cover these situations. But there are some things that car insurance covers that aren’t always known. Here are a few interesting things car insurance may cover that you may not have been aware of.
Car safety seats can be expensive and are required by law. The good news is that replacing a car seat that was damaged in an accident is usually covered by your car insurance. Since a child’s car seat is attached to a vehicle while in use, insurance companies view it as part of your car. If the car seat was damaged during an accident, it will be replaced.
Damages from potholes can sometimes be expensive. Running over a pothole can sometimes cause severe damage to your car’s suspension and could run into thousands of dollars in repairs. In the event that your vehicle suffers pothole damage, the collision portion of your car insurance will usually include this as part of the coverage.
Unlike homeowner’s insurance, car insurance will cover damages to your car that were caused by an earthquake. Earthquakes and certain other natural disasters are considered “acts of God” and are therefore not the responsibility of the vehicle owner. Your policy will need to include comprehensive insurance to be covered.
Some people have the misfortune of running into large animals while driving. There are also instances where animals can damage a car in other ways, such as when a bear claws your car. As far as your insurance is concerned, these are treated like vandalism and are covered under your comprehensive insurance.
Check with your agent to find out what else your car insurance covers.