Most people know that car insurance pays for damages and bodily injury, but those aren't the only costs your car insurance will cover. Depending on what coverage you have and what your insurer includes in it, here are some things your auto insurance coverage may include:
Replacing Your Child's Car Seat
Safety experts advise that it's essential to change your kid's car seats after a moderate accident, even if the seats don't seem damaged. In fact, if in doubt, it is best to err on the side of caution and get the seat replaced anyway. The good news is that you don't have to foot the bill; as long as you have comprehensive insurance coverage, your insurance company will pick up the tab for the seat's replacement.
Paying Locksmith Fees
When you lock yourself out of your car, you should first confirm that the keys are actually missing or inside the car. If the keys are inside the car, you should also confirm that all the doors are actually locked and you can't get into the car via the trunk. Once you have confirmed that you can't get the keys anywhere, your next action is to call for a professional locksmith's help. It will cost you anything from $96 and $209, but your insurance company will reimburse you for the cost if you have comprehensive coverage.
Settling Expenses Related To Identity Theft
Identity theft doesn't just happen to people, it also happens to cars. Criminals can copy your car's Vehicle Identification Number (VIN), duplicate your car's papers and use it on a reconstructed (made from different parts) or stolen car. If you ever find yourself in such a quagmire, you may need to spend some money to sort out the issue and prove that the VIN was stolen from your car. Again, your insurance company may come to your rescue and take care of these expenses on your behalf.
Paying Your Bail Bonds
Car accidents come with many expenses and inconveniences. For example, you may be arrested if the authorities think you have caused an accident that has resulted in bodily injury or property damage. Such offenses are usually bailable, and your car insurance company may pick up the tab if the coverage is included in your liability coverage.
As you can see, car insurance coverage offer much more than most people believe. If you didn't know these perks existed, then it's possible that there may be others you still don't know about too. Talk to your auto insurance agent or company to learn more about these and other forms of coverage they offer.
Check out a website like http://www.sldins.com for more information and assistance.
Share12 September 2017
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