Connect with us

Hi, what are you looking for?

Lifestyle

Debunking Common Auto Insurance Myths: What You Need to Know

Image by Car Some

Auto insurance is a necessity for every motor vehicle owner, yet many are in the dark about the specifics of their coverage. We’ll unravel some common misconceptions surrounding auto insurance, shedding light on the realities that often go unnoticed.

 

#1 Passenger Injuries Are Covered

Contrary to popular belief, first-party injuries (including passengers) in a road mishap are not covered, even with comprehensive policies. To safeguard against this, it’s essential to drive safely and consider personal, life, and medical insurance for you and your passengers.

 

#2 Car Modifications and Accessories

Image by Says

Fancy car modifications and accessories are not automatically claimable in case of an accident. Informing your insurer beforehand is crucial to avoid disappointment and potential premium increases. You may be in for a heartbreak if your ride gets into an accident, so don’t make any expensive changes or add any expensive extras.

 

#3 Natural Disasters and Comprehensive Coverage

Image by Dam Easy

Standard comprehensive policies may not cover damages caused by floods, landslides, and storms. Consider adding a Special Peril rider for comprehensive protection or take precautions to avoid disaster-prone areas.

 

#4 Accidents Caused by Negligent Passengers

Auto insurance may not cover accidents caused by negligent passengers. Accidentally opening the car door could potentially result in oncoming vehicles colliding with the entrance, potentially leading to fatalities. So, always tell your passengers to watch out for cars coming the other way before they get out of the car.

 

#5 Stolen Items

Contrary to expectations, personal belongings stolen from your car are not claimable. To minimize risks, avoid leaving valuables in your car and be vigilant in areas prone to theft. Typically targeted items by thieves include cash, credit cards, mobile phones, purses, briefcases, and laptop computers.

 

Before relying on your insurance to cover all your automobile needs, it’s crucial to understand the specifics of your policy. Prevention is key, so practice safe driving, avoid high-risk routes, and be mindful of your belongings. By debunking these common auto insurance myths, you can make informed decisions to protect yourself and your vehicle. 

 

Loading spinner
Written By

Latest Posts

Entertainment

Image by stanleysc_ (on Instagram) Hong Kong’s entertainment scene lit up with excitement as popular Cantopop stars Stanley Yau shared his thrilling experience of...

2710294 2710294

Entertainment

Hong Kong veteran actor Kent Cheng celebrated his 73rd birthday on May 22, surrounded by his former co-stars and close friends. Cheng, who has...

Tech News

Image by 24/7 Wall St Apple is a giant in the tech world, known for its innovative products and loyal customer base. However, constantly...

7fd65d414e1b2f7e28fe46771f5c77c5 7fd65d414e1b2f7e28fe46771f5c77c5

Entertainment

TVB actress Samantha Ko has had a remarkable year, highlighted by her standout role in the drama series The Queen Of News. Her portrayal...

Entertainment

Image by Etix.my Mark your calendars! The sensational Japanese  girl group XG is set to light up the Mega Star Arena on August 7...

Entertainment

Views: 118

Entertainment

Views: 152

Entertainment

Views: 71

error: Content is protected !!