Will Auto Insurance Cover More Than Just My Vehicle?
You already know that your auto insurance policy pays to get your car back to pre-accident condition but what happens if a personal belonging, something not attached to your vehicle, gets damaged in the accident?
Well, if you have “Comprehensive Coverage” your car itself would be covered after you pay your deductible. “Comp” (for short) will cover things like a broken door lock, smashed windows, punctured tires, etc., those items that are part of the car.
Personal items such as a tablet, wallet, or any personal valuables are not generally covered in your auto insurance policy. Those items would be covered in your homeowners/renters policy. You would have a deductible to pay for first, and then you’d need to consider the consequences of a claim on your homeowners policy.
Does Your Auto Insurance Policy Cover Vandalism?
After you pay your deductible, Comprehensive coverage should cover the damages to your vehicle if it is vandalized. You’ll want to make sure you:
Call the police right away to report what happened
Make note and take pictures of all damages to your car
Call the claims department or your agent to file a claim. You will need to have the list of damages, pictures, and a list of any items that were stolen.
Getting Help From Nevada Insurance Enrollment
Not sure what your auto insurance policy covers? Talk to your insurance agent to review your coverage options and to discuss how you and your belongings are protected in the event of an accident.
Recent Posts
Auto Insurance Coverage When Driving in a Different State
Auto insurance coverage can be confusing, largely because insurance laws and requirements vary greatly from one state to another. As a Nevada driver, you’re required to carry liability insurance in the amounts of 25/50/20 (learn more about state minimum coverage here). However, in states like Arizona where coverage runs cheaper, state minimum coverage is a little skimpier.
Health Insurance Plans for Year 2019 and Beyond
According to a recent study, health insurance premiums could increase for individual plans on the ACA marketplace between 35 and 94 percent by 2021. Concern over health care is nothing new; in fact, this is the fifth consecutive year that Americans have ranked health care as a top concern.
Health Insurance Could Become The Wild Wild West Once Again
At least for now, many aspects of ACA are still in place. Currently, an insurer can’t turn you away for a pre-existing condition, and long-term health insurance plans still have to provide coverage for ACA’s 10 essential health care benefits. Prior to 2010, private health insurance usually did not cover maternity, or preventative like it does now, and mental health was generally non-existent.