After an accident occurs, most people depend on coverage from insurance companies to cope with various costs. On top of the stress of having to recover from an accident, you don’t want to deal with the surprise of finding out that your insurance company won’t cover any of your expenses.
There are in fact a number of situations that may not be covered by the insurance company you currently use, and it’s best that you find out about them in advance and not after an accident has already occurred.
The following are some issues you should definitely look into:
- How far can you extend your car insurance to other vehicles? For example, if you’re renting an RV, can your auto insurance company extend its coverage to that vehicle (and if so, to what extent)? You should ask similar questions about your motorcycle insurance and other bikes it would apply to.
- If you made modifications to the interior of your car, such as improving your sound system, these add-ons might not be covered by your insurance.
- Are the people you live with covered by your car insurance? Generally, an insurance company’s policy applies to accidents involving someone who is listed in the policy or someone who doesn’t live with you on a regular basis (e.g., a visiting friend who briefly borrowed your car). However, if you have someone living with you who uses your car regularly but isn’t a part of the insurance policy, an accident they’re involved in might not be covered.
- Car insurance companies may also differ in what steps they expect you to take after an accident; this might cause problems if you get a repair on a vehicle before receiving authorization for it from them.
When you sign up for a given policy, be sure you have an understanding of everything in it, including what’s explained in the fine print.
If you get hurt in a car accident that wasn’t your fault and need help dealing with the responsible party’s insurance company, contact experienced Colorado Springs car accident attorneys who can help you deal with denied claims or the difficulties of getting the settlement you deserve.