A vehicle accident not only implies a considerable disbursement of money, but also the loss of time in the different procedures and not being able to use your car while you are in the workshop. But everything changes by having auto insurance.
Vehicle insurance allows the experience of having an accident with the car to be no more unpleasant than it is already, and they contribute to alleviate the cost, since they take care of everything and the driver only has to pay the corresponding deductible.
But having the insured car does not mean that you should not be careful, since there are some accidents that are not covered by vehicle insurance.
Accidents due to non-private use
If the accident occurs while your car was participating in a race, was making a taxi or you had even given it for rent, you will not be able to claim insurance compensation. Since they take care of everything and the driver only has to pay the corresponding deductible.
Accidents caused by an unauthorized person
When insuring your car, there is an option that authorizes others to drive the vehicle and therefore, if an accident occurs with other people behind the wheel, it will be covered. But if it is specified that there will be a “single driver”, then you will not have a claim.
Accidents produced on non-regular roads
Non-regular roads are considered dangerous, unstable or unauthorized territories.
Remember that exclusions will vary from one insurer to another, so it is important to choose your vehicle insurance carefully.
Another thing that can change is the benefits you receive from insuring your car. While some insurers offer you more advantages, others are limited to protection. To compare the options visit the websites of the companies or use Good Finance to find the one that best suits your needs.