Does Your Car Insurance Provide These Coverages?

Different auto insurance policies cover different things according to the specific policy you purchase. It’s important for you to know precisely what your policy does and does not cover. For instance, does your policy cover these contingencies? If you don’t know, now is the time to find out.

Damage to Rental Cars

Renting cars can be tricky business especially if you typically purchase the high cost insurance options offered by rental car companies. Before you buy their coverage, though, make sure you’re not paying for this protection twice. It may be included in your auto insurance policy. It’s definitely worth double checking – especially if you’re a frequent flyer when it comes to car rental companies.

Pain and Suffering

The average liability policy has a designated amount of mandated coverage set aside for accidents in which you are at fault and the other person proves a case for pain and suffering – this includes emotional stress brought about as a result of the accident. Coverage for counseling may even be covered in your insurance policy, which could save you a great deal of money.

Animal Collisions

Collisions with animals is generally covered under comprehensive insurance protection. However, if you’ve purchased a liability only policy you are on your own. If you do have an animal collision, be sure to contact your agent before consulting with the local body shop so you have a firm understanding of what your particular auto coverage does and does not allow.

Natural Forces

Mother Nature can be a real beast sometimes leaving all sorts of damage in her wake. If you have comprehensive coverage on your vehicle, many acts of nature, including floods, hail, forest fires, and more are covered by your policy whether they damage your car or destroy it completely.

Lost Wages

If you’re found to be at fault in an accident and required to miss work as a result, your policy may provide coverage for some of your lost wages. The amount of coverage for lost wages varies according to the policy’s coverage amounts and may have some exclusions.


While vandalism is not an act of nature, it is typically covered under your comprehensive insurance coverage. This type of insurance provides coverage for the costs associated with restoring your car to its original state after acts of vandalism occur.

The key is to know exactly what your commercial auto insurance provides coverage for. The more you know about your policy’s coverage and exclusions, the more peace of mind you have when accidents do occur.