When it comes to car insurance coverage, it is important to understand the details of your individual policies. Coverage will vary based on your needs and personal policy. There are a few items, however, that will almost never be covered by your car insurance. To know what you could be responsible for paying out of pocket, read on to find out what likely won’t be covered in your car insurance policies. 

And for more information regarding your car insurance in Springfield, Ohio contact our team at LInk-Hellmuth Insurance. 

What Car Insurance Never Covers

• Damage caused by normal wear and tear
• Intentional damage (sometimes including DUI)
• General maintenance
• Damage that exceeds the limits of your liability policy
• Personal belongings stolen from your car

What Car Insurance Usually Does Not Cover

Custom parts and equipment

If you are one who finds joy in customizing your car with every new and exciting feature, that’s great! But you should know many of the customizations you make to your vehicle may not be covered by your car insurance. 

Your basic liability, comprehensive, or collision car insurance does not cover customized parts and equipment, such as undercarriage lighting or third-party sound systems. 

The good news is, some insurance companies offer add-on coverage to protect those types of things.

Your Car Loan or Lease If Your Vehicle is Totaled

Even if you owe your lender more than your car is worth when it’s totaled or stolen, your insurance company will only cover the replacement cost of the vehicle. 

Additional Gap insurance can be purchased if this is a concern for you. Gap insurance helps you pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value. 

Driving Your Car for Rideshare or Delivery

If you’re driving your car as a way to make money, then your personal insurance policy might not cover you if you’re involved in a wreck on the job unless your car insurance policy includes commercial driving or driving for hire. Not only will you not have insurance coverage for any damage done to your car but you wouldn’t have any liability insurance for passengers who also may have been injured. This could end up costing you a lot of money out of pocket.

Mechanical Breakdowns  

If you experience an engine or transmission failure on the road, your insurance policy won’t usually cover the cost of fixing it. But as a precaution, you can purchase mechanical breakdown insurance, which is similar to an extended warranty from a car manufacturer.

Purchasing Car Insurance in Springfield, Ohio

When purchasing any kind of insurance policy it is important to have an understanding of what exactly will or will not be covered. Our Independent car insurance agents in Springfield, Ohio are always happy to thoroughly explain the details of your personal policy and help ensure you have the coverage you need at a great price!