Car Insurance Coverage - What Does Car Insurance Cover Exactly?

Q: My car was broken into last night and my ipod, and laptop were stolen. Will my car insurance cover this? A: We’re sorry to hear that your car was broken into and even sorrier that it is very unlikely your car insurance will cover this loss. It never hurts to call and ask, but typically car insurance, even comprehensive car insurance, doesn’t cover these types of losses. You car insurance will cover any damage that was done to get into the car that exceeds your deductible, but that is usually the extent of the coverage. This will usually include the broken window and any damage done to the door lock. There may be some good news however. Homeowners or renters insurance will often cover items that are stolen from your automobile. This can be an expensive and painful lesson to learn. The following items are magnets to thieves when left unattended in a car because they are small, easy to steal, and easy to sell. *ipods *satellite radios *laptops *cell phones *GPS units (be careful of leaving the mount on your windshield as many thieves will suspect the GPS itself is in the car) If an agent told you your car insurance will cover the type of loss you experienced when you bought the policy then by all means call your insurance company and tell them you feel they should cover it and file a dispute if necessary. Again, we're sorry about your loss and hope you have a successful resolution with your insurance company. Looking for cheap automobile insurance? Get a cheap automobile insurance quote instantly at http://www.CheapAutomobileInsuranceQuote.com today.

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by DAVID ACKLAND

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