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Know before you claim
6 exclusions that catch drivers off guard at the worst possible moment.
Most policies cap rental reimbursement at $30–$40/day. The cheapest rental available today starts at $65+.
Driving for Uber or Lyft? Your personal auto policy may not cover you at all while the app is active.
Aftermarket rims, audio systems, and upgrades are excluded by default unless specifically added as a rider.
After depreciation, your 3-year-old car may only pay out 60% of what it actually costs to replace.
Regularly use your car for deliveries or client visits? That may void your coverage entirely.
State minimum coverage may leave you with nothing if the at-fault driver has no insurance.
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