Car Insurance Covers

Car Insurance Covers

There is a lot of misinformation about car insurance out there, and it’s not always easy to tell what’s true and what’s not. One of the many things people don’t realize about their car insurance is what it covers. Some consumers consider all polices the same. They assume a Car Insurance NZ by Youi policy covers any damage and medical bills, you don’t need it if you don’t drive a car with a loan, and you can cancel it at any time. While this is not always true, there are a few interesting things you might not know about your car insurance that don’t fall in line with common knowledge your adjust can share with you. Here are a few things your car insurance might cover following an accident you had no idea it would cover.

Your Pet

Do you travel with your cat or dog? Even if you’re just taking them to the vet for their annual check-up, pets are sometimes in the vehicle with their owners. If your cat or dog is in the car with you when an accident occurs, you might want to know if your pet is covered for his or her injuries. Many car insurance companies do offer coverage for pets injured in motor vehicle accidents. you can ask your insurance company if they provide this, and you can switch companies if it’s that important to you.


If you don’t park in your garage, you leave your car open to a variety of small creatures. You might keep your doors and windows closed up and locked tight, but rodents are able to get into the undercarriage of the vehicle. They might be looking for warmth, they might want to find a location that’s comfortable for them, or they might want to make a snack out of your wires and other car parts. If this happens, your insurance company will cover the cost of repairs provided you have comprehensive coverage on your car insurance policy.

Space Debris

Here’s a fun fact about car insurance. If your car is hit by anything that falls from outer space, your car insurance company might cover the cost of the damage. Comprehensive policies cover all falling objects, so your car insurance coverage can fix your car if a suitcase falls out of an airplane, if a piece of furniture falls off an apartment balcony, or if an asteroid lands on your car when it enters earth’s atmosphere.

When it comes to finding the best rates for your insurance policy, don’t forget to consider the coverage you’re getting for the price you pay. Inexpensive coverage isn’t always the least expensive if something like a meteor hits your car. While the chances are slim, it’s a good idea to prepare yourself for the worst when you drive something so expensive. Sometimes coverage that’s a bit more expensive is a lot less expensive if something unfortunate occurs.

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