Events Not Covered By Liability Auto Insurance
Liability auto insurance is a vital, and in most of the cases, a mandatory policy. It makes sure that if you are found guilty of committing an accident your victims will properly be compensated. Otherwise, you risk being drawn to the court and face an almost certain lost trial. So, if you want to dodge financial and penal consequences, invest a little more in liability auto insurance. However, liability auto insurance does not cover all aspects regarding car safety and car damage. Let us talk more about what types of events not covered by liability auto insurance. Also, make sure to obtain several auto insurance online quotes.
Liability auto insurance does not cover against damaged produced by natural factors and elements. If your car is set on fire by a lightning, damaged by an earthquake or landslide and so on, making a liability auto insurance claim will be pointless. Contracts stipulate that they do not provide insurance coverage against what they call “acts of God”- referring to events unable to be controlled by man, predicted or prevented.
Furthermore, liability auto insurance also does not cover against civil and military unrest with potential negative consequences on your car (riots or vandalism). As we have all seen, the civil unrest is escalating and we often see cars and shops being destroyed by protesters. Liability auto insurance contractual stipulations again prevent you from making a claim is such event will occur. Also, vandalism as a source of car damage is not a reason to make a liability claim.
Furthermore, liability auto insurance is used to compensate for the damage you have done, not for the damage you have received. So, liability auto insurance will not offer money if you are the victim, instead you can request to company to reimburse you through the guilty driver’s liability auto insurance.
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