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Kriener Insurance

724 Bielenberg Drive, Ste 5
Woodbury, MN 55125

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Minnesota Insurance Blog

Common Auto Insurance Exclusions

Every motorist understands that a car insurance policy protects their vehicle when accidents happen. However, most don’t understand that car insurance has exclusions. We understand because what is covered is usually in bold, but exclusions are found in fine print and often in jargon difficult for a layperson to understand.

If you don’t understand your policy document, consult with Kriener Insurance in Woodbury, MN. In most cases, your car insurance may not cover the below:

Personal items

If your laptop is lost or damaged while inside your car, it will be wrong to assume that your car insurance will cover the loss. You have to claim using your home or renters insurance for lost or damaged personal items.

Commercial use

You started a small business, and suddenly, your client base is expanding. You use your car to run business operations since you don’t have the capital to buy a business vehicle. While there is nothing wrong with this, all you need to do is upgrade your personal auto insurance to commercial. Otherwise, you will be walking a tightrope if you are still using personal auto insurance to run business errands.

Normal wear and tear

Like most things, your car will wear down over the years due to use. When your paint starts chipping away, or your suspension starts caving in, don’t expect your insurer to cover the damage. Your insurer expects you to take proper care of your car to derail wear and tear.

Accidents outside the geographical area of operation

Most car insurance policies will cover you within the borders of America. If you travel abroad, always purchase an add-on because your standard auto insurance won’t cover damage and injuries outside American borders.

Want to learn more about car insurance? Please get in touch with Kriener Insurance for more information. We will also help you get an affordable car insurance policy.

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