If your car has been broken into, stolen or vandalized, you might be left wondering whether you’ll need to pay out of pocket for the damage. Does your car insurance cover the things inside your car in Visalia, CA? The answer depends on what kind of insurance you have and your specific coverage—but typically, you can expect that your insurance policy will cover body damage and not much else.
What does car insurance typically cover?
Depending on your type of car insurance, you will have different kinds of coverage. Here are some of the most common types:
- Liability: If you’re at fault for an accident, liability insurance will cover the damage incurred. This usually includes coverage for bodily injuries and any property damage that you might have caused.
- Personal injury protection: If you have personal injury protection insurance, this will cover your medical expenses no matter who caused the accident or what the circumstances are. This is usually a smart choice for motorists who would be hard pressed to pay for hospital stays.
- Uninsured or underinsured motorist coverage: Letting someone else drive your car? Worried about having enough coverage to repair any damage to your vehicle? This is a good choice for people who lend out their car or really need to have a drivable vehicle at all times.
- Comprehensive coverage: This type of insurance protects you against any type of damage and vandalism. If you’re looking for insurance to cover items or any surfaces in the cabin, this is probably your best bet.
All insurers are different, so make sure you read up on and research your policy thoroughly. If you have questions about the coverage, be sure to ask your insurance agent. At Tom’s Body & Paint, Inc., we often field questions from concerned motorists who would like to repair interior damage, whether from accidents, vandals or thieves. While some policies certainly cover more than others, the best way to feel secure and confident about having a car that runs and looks great is to talk to your insurance agency.
Generally, insurance companies won’t cover the cost of stolen items from inside your car—but they may pay for permanently-installed fixtures like the radio, or broken ignitions and other issues.
If you own a home, you can get item theft covered by your homeowners insurance. If you rent, check to see if your policy also covers items stolen or damaged from your vehicle. It’s not always a given, but it’s definitely worth a try.
Are you looking for auto paint and body repairs? Find out what your car insurance covers in Visalia, CA, then call Tom’s Body & Paint, Inc. to repair the damage. We can help you get your car back to looking great, no matter how it was affected and what the extent of the damage may be. Reach out to us today to get a quote, or to discuss more about what your insurance might cover and how we can help. We looking forward to working with you!
Categorised in: Auto Insurance
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