Don’t Be Surprised by What Car Insurance Companies Don’t Cover

Small blue carNot all auto insurance plans provide the same coverage, and Trish Bragg of Missouri recently found this out the hard way.

One morning Bragg woke up to leave for work only to find that her car was stolen, reports St. Louis news station KMOV. At first she wanted to believe it was some sort of joke, but she knew deep down that it wasn’t.

“It was pretty devastating. You feel kinda hopeless like, you know, there’s nothing you can do,” Bragg told the station. “You just gotta wait on the police.”

Fortunately for Bragg, the police were able to locate her vehicle. However, the story doesn’t have a completely happy ending. The station reports that Bragg’s car no longer works and that she had to pay $165 in tow and storage charges. Bragg, who has only basic liability coverage for her car, had mistakenly expected that such charges would be covered under her insurance policy.

Officer Rick Echkard told the station that it’s up to the car owner’s insurance company or the owner herself to pay the fees.

To help avoid a situation like her own, Bragg recommends people lock their car doors and keep the keys in a safe location. Her car had been unlocked in the driveway with a set of keys in the center console when it was stolen, KMOV reported.

Consumers would also be wise to learn exactly what their auto insurance policies cover in order to avoid ending up with an unpleasant surpise like Bragg’s.

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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