Your auto insurance is a worthwhile investment covering numerous risks you encounter on and off the road. Unfortunately, auto insurance doesn’t cover all the risks you face. The Owens Agency LLC in Waldron, AR sheds light on typical auto insurance exclusions.

Theft of personal belongings

Have you left a laptop in your car? You better have home or renters insurance to cover the loss should someone break your car and steal your electronics. Typical car insurance excludes losses and damage to personal assets unless you purchase a "rider" to cover personal belongings.

Customs parts and equipment

Like most car owners, you have modified your car to ensure it lives up to what you have always dreamt of. While nothing is wrong with "modding" your vehicle, it’s good to know that car insurance may not cover these custom parts. So, your customized sound system, chrome exhausts, forged internals, and custom-made leather seats may not be covered by your standard car insurance.

Accidents during commercial use

Are you using your car to run errands like pizza delivery? Beware! Unless you upgrade your personal auto insurance to commercial, your insurer won’t honor any damage or injuries resulting when carrying out business operations.

Racing events

If you use your car to race others, perform stunts, or do other "out of the ordinary" activities, your insurer won’t cover damage and injuries occurring in such events. However, you can purchase an "add-on" to participate in such activities.

Intentional damage

Any intentional damage to your car, including using your car as a weapon, won’t be covered by your insurer. So, think twice before getting involved in that road rage!

Learn more about car insurance in Waldron, AR

If you need an insurance partner to walk with you for all your car insurance needs, you can’t go wrong with The Owens Agency LLC.