Three Types Of Accidents Not Covered Under Auto Insurance
Auto insurance policies are designed to protect drivers from financial losses due to motor vehicle accidents or other perils such as theft, vandalism, or fire. Without this insurance, drivers would have to pay any vehicle repairs or medical expenses from their own finances. There are many different companies that offer auto insurance online which can cover any of the above situations. However, you should be aware that there are some instances where insurance companies will refuse to pay for. Following are three types of uncovered accidents where drivers will be responsible for costs.
If a driver has been involved in an accident where they were impaired by either alcohol or drugs, then the insurance company may refuse to pay any expenses that result from the accident. If the driver has damaged someone else's vehicle or other personal property or has injured another party, then the insurance company may refuse payment. In these cases, the driver will be responsible for the expenses which could amount to thousands of dollars. The victim can also sue the driver if the state allows it. These lawsuits can even amount to millions of dollars depending on the severity of injuries or if a death has occurred.
It goes without saying that if a driver does not carry auto insurance than if they are involved in an accident, they would be responsible for any repairs or medical expenses that arise. It is dangerous to drive without a valid insurance policy in place as uncovered accidents can force the responsible driver to pay for many years in the future. Driving without insurance can even put a person into bankruptcy or result in jail time, depending on the severity of the accident.
If a driver in your household has a poor driving record that is affecting your auto insurance online premiums, then you can choose to exclude them from your policy. This means that they are not legally permitted to driver your vehicle. If they do happen to get behind the wheel of your vehicle and are involved in an accident, than you will be responsible for any damages and injuries. This accident will be paid for by you and not your insurance company.
When you shop for auto insurance online, you need to be aware of what is and what is not covered by the policy. Uncovered accidents can cost you thousands or even millions of dollars. This is why it is important to talk to a live person if you cannot find your answers on the website. The company should also offer 24/7 assistance and a toll free number in case you need to make a claim.