Just got your new car? Congratulations on that! But have you got your car insured? No matter how good of a driver you are, driving a non-insured car is not a wise decision. There are many things that your car insurance covers. If you have no idea what your car insurance covers and why do you really need to get your car insured then you have landed on the right page! Here we are going to provide you a brief idea of what car insurance is really about. But if you are looking for a reliable and corporative car insurance company then skip the discussion and click here SP30 Insurance.
What Your Car Insurance Covers?
Car insurance usually covers many things. Just like any other insurance policy this one also provides relief to its subscribers in case of any mishap. But do you know that there are certain things or damages that your car insurance policy doesn’t cover?
It is important to learn about what a usual car insurance policy covers and what it doesn’t before signing-up to one!. Here is a list of the things that your car insurance covers and what it doesn’t.
- Financial and Legal Protection:
Regardless of how good your driving skills are, there is no surety that you would never make a mistake. Moreover, there is always uncertainty on the roads, any mishap or incident could happen within moments. And in case you met an accident while driving and the get yourself involved in a lawsuit; that’s when your car insurance policy comes handy! These car insurance policies are mostly designed to provide its user financial protection in case of a lawsuit!
- Reimbursement of Physical Damage Repairs:
If you think that car insurance policies cover your physical damages then you are wrong. These insurance companies don’t cover that physical damages. But don’t get so disappointed. Your monthly payments are not a waste! Though you won’t get paid for the damages, the insurance policy definitely reimburses the repair expenses! It means that if you’ve got a broken windshield or damaged headlight or any other damages and got it repaired your car insurance will recover it!
- For Mechanical Repairs Its a Big NO!
Mechanical repairs are different than physical damages and most car insurance policies don’t cover mechanical repairs. By mechanical repairs we mean wear and tear of your car paint or any other maintenance expenses. Unless your car suffered from damages due to external factors such as vandalism, collision or fire, your car insurance policy isn’t going to cover it.
Many car accident cases have been reported every day, most of which are serious and terrifying. Car insurance policies are designed not only to protect you & your car from yourself but also from other rash drivers on the roads. Furthermore in some states driving a non-insured car is count as a non-compliance/violation of the law and you could suffer serious penalties for this!It is therefore extremely important to activate your car insurance as soon as possible to be on the safe side.