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Common Exclusions that Your Car Insurance Will Not Cover

24 June, 2015


Whether you are buying a brand new car or leasing one, a car insurance plan is indispensable. Our state law makes it a compulsion to buy car insurance. However, this policy offers financial cover to cope with the cost of damages incurred by your vehicle after unfortunate events such as accidents. 
 
A car insurance policy will cover the cost of most of the damages incurred by your vehicle due to an accident, natural disaster, or man-made calamity. However, there are certain incidents wherein insurers deny a claim. 
 
An auto insurance exclusion is an incident or damage that is not covered by a vehicle insurance. There are several exclusions for which different plans will not offer any kind of reimbursement. Some of them are listed below: 
 
1) Loss due to Wear and Tear
Any loss occurring due to normal wear and tear of the vehicle will not be eligible for a claim. Similarly, any form of mechanical or electrical breakdown, failure of chassis, or body parts, or breakage due to rusting or other weather conditions will not be considered for a claim.

2)Damage to Tyres, Electrical equipment, or Electronics
Tyres are going to wither with constant use and time. As a result, they will not be eligible for any claim. Similarly, electrical equipment in the car can get damaged due to severe weather conditions, short-circuit, or infestation of rodents. Such damage will not be compensated.

3) Damage incurred if the insured is driving under influence of alcohol
No insurer will offer cover for damages caused to the car due to accident in case when the insured person is driving under the influence of alcohol or any other intoxicating substance.

4) Any injury or property damage caused intentionally
If the insured person has intentionally caused damage to a person or property, then he will not get any form of reimbursement under a car insurance plan. Similarly, it will not cover damage caused to the insured’s property.

5) Damage Incurred during War
Any loss caused to vehicle due to war, bio-chemical attack, or fire due to nuclear explosion and related events will not qualify for a claim.

6) Damage Due to Racing
Any kind of collision damage or property damage caused due to organized racing will not be cover under a car insurance policy. Similarly, it will offer limited cover or no cover at all for damages incurred if the vehicle is used in sharing programs.
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