What Are the Things Your Car Insurance May Not Cover?

This may come as a shock to you. Still, your typical car insurance provides coverage for four basic things – bodily injury liability, property damage liability, medical coverage, and under/uninsured motorist coverage. For other things your car insurance may not cover, you will have to pay out-of-pocket when the situation may arise. Read on to find out more.


7 Things Which Are Not Covered by Your Car Insurance

  1. Damages Caused by a Natural Disaster

Your basic car insurance does not cover any form of damage caused by a natural disaster. There is no option for that in your typical car insurance. You need comprehensive coverage to cover any damage not directly linked to a car accident for this kind of damage.

  • Any Personal Belongings in Your Car

Coverage for belongings in your car is very tricky. Car insurance only covers damages related to your vehicle, and these damages do not include the belongings in your car. If you want coverage for your belongings, you should purchase another policy that provides such coverage. An example of such a policy is homeowners’ insurance.

  • Injuries to Your Pet in Your Car

Just like the belongings in your car, basic car insurance may not bear the risk of injury to your pet if you are both involved in an accident. This is because your car insurance provides coverage for personal injury, not pet injury. You will need a different coverage for pet injury.

  • Damage During Commercial Use

Your car insurance will not cover any damage to your car when used for purposes other than the one stated in your policy, including ridesharing. For instance, if you happen to be involved in a car accident while using your car for, let’s say, logistics, you will have to take care of the damage out-of-pocket. It is advisable to buy a policy that will provide coverage during commercial use in situations like this.

  • Regular Repair and Cost of Car Accessories

Another thing your car insurance may not cover is the cost of repair not related to an accident stated in your policy or the cost of buying a fancy fitting for your car. You will need a different kind of coverage for things like getting a new set of tires, repainting your car, or tuning your engine.

  • Theft and Vandalism

You do not have coverage from theft and vandalism if your car insurance does not include comprehensive coverage. This coverage covers other forms of damage different from accident damage.

  • Damages that Cost Beyond Your Limit

There are limits for car insurance policies, even the basic coverage. Your insurance cannot cover any risk that exceeds your coverage limits. To avoid situations like this, you need to increase your coverage limit.


If you are worried about the stated damages, talk to your insurer and let them know the kind of coverage you want. Your insurer will explain the different coverage options available with their pricing.

Your type of car insurance determines the kind of coverage you enjoy. For a more professional view on this, contact us at ISU Wissink. Our team of auto insurance experts is always ready to assist you. We can provide you with customized insurance coverage to suit your need. Contact us today to get a quote!