1. Deer impact damage
If you hit a deer or other animal, you’ll likely have to pay for necessary repairs to your car unless you’ve added full coverage to your policy. Comprehensive coverage pays for damage caused by something other than a collision, such as fire, animal damage and theft – including theft of individual items considered part of the car such as airbags or catalytic converters,” says Heller. Drivers hit more than 2 million people. animals (1.4 million deer) between July 2020 and June 2021 despite ongoing pandemic shutdowns, which increased 7.2% in the previous 12 months, according to Tony Cotto, director of automotive and underwriting policy for the National Association of Mutual Insurance Companies.
2. Stolen laptop
Even with full coverage, your auto insurance won’t pay for loss or damage to things that aren’t considered part of the car. Home (or renter) insurance can cover a laptop stolen from your vehicle. Also consider that aftermarket add-ons are likely not covered by your car insurance. If you convert your car into something more valuable or install parts that could put it in a higher risk category, any claim could be denied if you did not inform your insurance company before purchasing a policy. “If you cheat on your vehicle, you’ll need to have that conversation with your insurance company,” says Heller.
3. Rain damage
If you have comprehensive insurance, chances are it will cover damage caused by a hurricane or tornado. But that won’t necessarily cover damage that occurs if you leave a window or sunroof open and it’s raining.
4. Broken window
Windows are considered part of the car, so in most cases they will be covered by collision or comprehensive insurance. But, if you are locked out of your car and break a window to get in, that would be considered an intentional act and may not be covered. Policies typically only cover claims for third-party damage or “unintentional damage,” says Heller. You might want to consider roadside assistance insurance, which typically pays for someone to open your car if you’re locked out.
5. Replacement of worn tires
Car insurance will not cover basic maintenance, repairs or general wear and tear on your vehicle. You may be able to add mechanical breakdown insurance, which is similar to an extended warranty from a car manufacturer, and you can also get roadside assistance coverage for a flat tire, dead battery, or other problem on the road.
6. Side shoves
Personal auto insurance generally does not cover business use of your vehicle. If you make pizza deliveries or transport paying customers via a ride-sharing service, you will need additional insurance in accordance with III. “If you are driving for the purpose of delivery or delivery [chauffeur] you’ll probably need separate coverage,” says Heller.