10 Strange Auto Insurance Myths About Insurance Coverage

auto insurance myths about insurance coverage. Professional appraiser inspecting a damaged car after filing a claim

But, actually it is the insurance of the person that owns the vehicle & is primarily liable in the event of a claim. Although, some variations may occurs depending on the existing state’s laws.

Generally, driver’s insurance will be liable only when owner of the vehicle doesn’t have a policy but it is secondary liability. Therefore, losses incurred during an accident by your vehicle will be covered by your own automobile policy instead of employer’s policy.

Thus, you should not use your personal automobile for commercial purposes.

[Read Also: 25 Amazing Tricks To Reduce Your Car Insurance Quotes]

(10) Comprehensive Insurance Covers Everything

It is one of the most commonly circulated auto insurance myths prevalent among common public. People often believe that buying comprehensive insurance cover will provide you full coverage against untoward events.

But, actually comprehensive coverage is meant to provide coverage along with certain limitations & exclusions such as towing expenses, damage to personal belongings, and many more.

However, if these additional risks are cause of concern for you then you should not hesitate to ask your insurance agent for his/her valuable recommendations about various ways to cover those exclusions.

You are also advised to review your policy to know about inclusions & exclusions of the policy.

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