5 things your car insurance may not cover

When we talk about Car Insurance it is very important to be well informed about what are the policies that your car insurance is covering and it is also equally important that what are the policies that does not covered by car insurance. Usually the inclusions of car insurance policy are written in Big and bold letters , whereas the exclusions of car insurance are detailed in terms and conditions or written in technical language that is very hard to understand by common people.

So it is very important to know about your car policy exclusions so that it will help you in raising your car insurance claims. This article we will discuss about 5 aspects that your car insurance may not cover expecting that you have a detailed understanding of your policy.

01. Regular wear and tear of your car

With the passage of time ,the car also ages and for proper working it needs maintenance and service. You need to take care of your car wear and tears that naturally occurs with its daily uses. As your comprehensive car policy does not covers any regular maintenance and services of your car. Regular maintenance or any minor wear and tear of car or any minor damage resulting from daily routine driving or generally not included in your policy. To keep your vehicle in a well mannered or in top shape we need to invest in separate maintenance plans or save budget for periodic repairs.

02. No compensation for worn out parts

Everything has a fixed life span either we or the mechanical parts, with the regular uses or due to the aging the parts of car are worn out. But the insurance policy would not cover the cost of replacing the damaged components due to regular usage.Any damage due to accident due to accident and unforeseen situations are included in the policy by the it may be due to natural calamities or any other,to prevent the premature damage of parts of your car keeping well maintanence of your car is essential. With the regular maintenance and servicing we can identify the issue and resolve it before.

Damage to engine as a result of oil leakage also not claimed Also must choose the best policy which covers your claim.

03. Violation of traffic rules or accidents due to alcohol or drugs

As a responsible citizen or a driver we must need to follow the traffic safety rules. Not following the safety rules and obligations by drunk driving, rash riding or jumping the red light means we would not covered for any damages that occur during the time. If any accident occurs under the influence of alcohol or drugs the answer is that your policy claim. Be responsible for your protection as well as your policy coverage. Also theft of the property that is left in the car either your laptop your personal belongings also not claimed by the insurer.

04. Loss or damages caused by war out breaks

In some unfortunate unseen circumstances such as were out breaks or act of terrorism, foreign enemy action, civil war, radiation or nuclear material weapon are not covered under standard insurance policy. The insurance companies will not provide you compensation so you must know that the car insurance does not extends to cover the damages caused by such aforeseen circumstances.

05. Collisions and damages during organised racing

A lot of people feel the pressure of taking their wheels are superior. This option second as a result of exhibition of speed which results in quick race down some streets that might damage your wheels or may an accident have happened due to speeding down the road. Racing has higher risks of accidents and the insurance company generally exclude such coverages. The insurance policy does not cover any damaged occurred due to the racing events so we must understand that we have to explore some special insurance options that might be design for motor sports to enhance proper protection.

So lastly, I must say that you must be aware of whatever your car insurance policy is, you must know what your car insurance policy does not cover as well as it’s inclusions and exclusions both. We must regularly check the insurance policy as well as stay informed about the hidden gaps in your car insurance policy. You must remember that a best policyholder will help you to better in your best driving life. So why knowing the best policy options for your car insurance stay protected and stay safe.

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