When you purchase a car insurance policy, you need to know what the coverages you've chosen will - and will not - cover.
By obtaining state-required liability coverages of bodily injury and property damage, your auto insurance company covers you (up to your limits) if you cause injuries or damage property to others in an auto accident.
If you add on collision to your car insurance policy, you get additional coverage if your car collides with another vehicle or object. If you also include comprehensive coverage as part of your policy, you get coverage for weather-related damages, striking an animal, vandalism and theft.
These, however, are the basics of these coverages. Auto insurance policies come with restrictions and limitations that are listed as exclusions on your coverage.
If something is listed as excluded, it means that your car insurance company won't cover it. For this reason, it's important that you're aware of what your specific auto policy's exclusions are so you won't put yourself into a situation where you won't have coverage and, thus, be left to pay personally for an accident.
Common liability exclusions
Physical damage coverage limitations
Collision and comprehensive coverage may include some of the exclusions above as well as the following exclusions:
Exclusions vary by auto insurance company, so check your policy and contact your agent if you have questions about your restrictions.
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