Anytime you get behind the wheel, knowing you’re protected with proper insurance is crucial. If you’re a driver in or near Coppell, TX, understanding what traditional and standard auto policies do not cover is essential. At The Select Insurance Agency, we’ll work with you to find the best solutions for your coverage needs, whether you’re a commuter or if you simply enjoy long road trips in your vehicle.
Wear-and-Tear and Mechanical Breakdowns
Most often, standard auto insurance will not cover worn brakes, transmission issues, or even engine failures. These issues are classified as wear and tear, meaning warranties or additional coverage may be necessary for that level of protection.
Personal Belongings
With standard insurance policies, personal belongings will not typically cover the loss. This means if you have assets in your vehicle, and it is broken into or stolen, you cannot file a claim for what you owned (without additional add-on insurance policies).
Damage From Flooding
Depending on your coverage, liability-only policies usually do not cover flood damage. To protect your vehicle from potential floods, you may need to consider comprehensive insurance.
Custom Parts
Without additional coverage specifically designed for your vehicle, custom part replacements may not be possible with a standard auto insurance policy. This can include LED lighting, lift kits, wraps, sound systems, and even aftermarket wheels you’ve installed on your vehicle.
Learning about what auto insurance doesn’t cover in and near Coppell, TX, is highly recommended for you as a driver of any type of vehicle. Whether you commute to and from work, carpool with others, or if you enjoy exploring all Texas has to offer in your car, the right insurance policies can make all the difference. To learn more about your auto insurance policy and to discover if add-ons are right for you, contact The Select Insurance Agency today.
