If you have ever been involved in a crash, you probably reviewed your auto insurance coverage when you filed the claim. We all expect our car insurance policy to cover the cost of repairs, and in unfortunate cases where someone suffers an injury, hospital bills. Did you know, however, that many auto insurance carriers cover a whole lot more? Here are some overlooked benefits that your policy may cover.
Civil Mayhem
It seems like riots and protests are occurring more frequently around the country and at times during these events cars are damaged or even set on fire when things get out of hand. If your car has suffered damage due to protests or demonstrations, your auto insurance policy may help pay for repairs. After checking with your insurance agent, call I-86 Truck & Auto Repair to schedule an appointment for any necessary service.
Vet Bills
Some motorists take their dog or other pet with them everywhere they go. Since pets are rarely restrained, they can suffer injuries in a crash. If your pet has been involved in an accident that caused injuries, check with your agent. Some car insurance companies cover veterinary care.
Lost Wages
It's bad enough to get hurt in an accident, but if you miss some paychecks, it literally adds insult to injury. If you have Personal Injury Protection (PIP), your insurance company may reimburse you if you can't work while you recover.
Child Safety Seats
If you have an accident that damages your son or daughter's car seat, your policy may pay for a replacement. The National Highway Traffic Safety Administration (NHTSA) recommends that child safety seats be replaced after a moderate or severe collision, even if there is no obvious damage. Visit https://www.nhtsa.gov/car-seats-and-booster-seats/car-seat-use-after-crash for more details about safety seat replacement recommendations.
For information on whether your policy includes these benefits, contact your carrier. If it doesn't currently cover an item you are interested in, you may be able to add it to your policy.
If you file a claim for repairs, your insurance company may give you list of service centers to choose from—but don't assume that you can't use another automotive repair shop. If I-86 Truck & Auto Repair is not on the list, let us talk to your insurer. We provide the highest quality parts and service for insurance repairs and take the headache out of the process. We can be reached at 716-665-2501.
https://www.usatoday.com/story/money/personalfinance/2016/05/30/nerdwallet-car-insurance-coverage/85033210/