There are now different insurance covers which car owners can take up for their cars. Insuring your car is a requirement by the law other than it being a necessary financial backing plan in case you undergo any damages while on road. You are therefore supposed to choose a great insurance company to use but first pay attention to the details of their comprehensive plans. You are needed to compare and contrast various comprehensive car coverage plans first before choosing one that works for you. Discussed below are some of the omissions which your comprehensive car plan cover may not handle should they surface today.
Normal wear and tear
Tear and wear or friction is common for almost all type of machines under the sun today. The more you drive your car, the less effective it becomes compared to the quality it had at the time of purchase. Such changes in the efficiency of the machine are not repaired by the insurance firm you use instead you may need to handle it all by yourself. Supposing the tires become worn out, experience a puncture, loose brake system and other repairs that could be needed, the expenses will be handled by you. Just ensure that you find an ideal car repair expert who uses original car spare parts for your automobile today.
Damages by unlicensed drivers
When getting your car insured, the company insuring you will want to ascertain that you are the main driver of the car and better yet you have professional training to drive the car. Licensed drivers know how to take care of the car and other road users when on the road unlike unprofessional drivers. Do not allow an unlicensed individual to drive your car because for any damages they may cause not just to your car but to the general public, your personal finances will have to be used for rectification.
Damages resulting drugs or alcohol abuse
Alcohol abuse is one of the many causes of road accidents in the world today. When under the influence of drugs, personal judgment may be impaired and hence one could easily end up causing road accidents that could harm others. It is best you know now that the insurer you choose is not liable to help you with damages that result from drunk driving. If you cannot drive the car after taking a few bottles of beer, why not hire a designated driver or take a cab home? This can easily save you from harming not just yourself but other road users when going home.
War or nuclear attack damages
Sudden war breakouts may end up causing damages to the involved and the innocent parties. It is unfortunate if your car or property is damaged during nuclear attack and wars happening in your region. Your motor fleet insurance company may not be able to deal with all the repair and replacement costs for damaged vehicles during such tragic periods. You can choose to however insure your car against such risks especially if wars and attacks are rampant in your region.