Getting behind the wheel of any vehicle takes a lot of guts. People are reckless, negligent and sometimes simply aren't paying attention while they are driving and, as a result end, up causing an accident. The good thing is, there is auto insurance to help people be affected as little as possible by this inconvenience.
In almost every state, people are required to have auto insurance. Some people will have the bare minimum that is required, while others will have full coverage and are pretty much protected no matter what happens to their car or someone else's vehicle while they are out on the road. Everyone knows that car insurance covers things like medical bills, property damage and repairs, but there are actually a few things it covers that many things that people had no idea it would.
1. Pet Injuries
Source: Time Magazine
If you are ever involved in an accident and you have the family pet with you, he or she may be covered if they are injured. Similar to how car insurance covers medical bills for people, it can cover veterinarian's bills. Anyone with a dog or cat that they often have in their vehicle with them could find them helpful. Even though most insurance companies don't cover more than $1,000 for pet injuries, it is still better than having to pay for it out of your own pocket.
2. Taxes and Fees Covered
Oftentimes, when people get into a car accident and their car is totaled, they will purchase a new vehicle. Not only will you have to pay for a new car, but there will be fees and taxes associated with this purchase. Luckily, these extra fees and taxes, such as registration and title are covered by your insurance, or if you were not the party at fault, the other driver's insurance. If you are at fault, then it is likely that your insurance will cover the cost of the other party's taxes and fees they are charged when purchasing a new vehicle.
3. Car Seats
If you have children and get into a car accident, not only may your car be damaged, but your child's car seat as well. Even if it is not visibly damaged, that doesn't mean there is nothing wrong with it. For that reason, you should speak to your insurance company covering the cost of a new car seat. This is not something many people look into, but with your child's life being at risk, especially if the seat doesn't work properly, it would be worth it if you can keep your child safe from harm.
4. Damage from Terrorism
Unfortunately, in today's world a terrorist attack is not an irrational fear, as it is very much possible for people to have their home, car or other possessions destroyed during an incident like this. Should you find yourself without a car after a terrorist attack, your comprehensive auto insurance may cover this and will have you driving a new car in no time. Of course, this is something to ask your insurance provider about.
5. Pothole Damage
Source: Post Gazette
Cities all over the U.S. are riddled with potholes that can seriously damage cars on the road. Many people may try to take up their issue with the city and complain about the damage that has been done in an attempt to get the city to cover the costs, but this damage could be covered by your insurance. This is because it is often considered a collision, so if you have this type of coverage, instead of harassing the city, you could call up your insurance company to see if anything can be done.
Car accidents happen, in the best case scenario people walk away with their lives and very little damage done to their vehicle. Seeing as how this doesn't always happen, it is all the more reason for people to ensure they protect themselves and their possessions and get car insurance. Whether you want to make sure your child's car seat will be covered or you want to avoid having to pay for repairs due to potholes in your city, car insurance is worth having.