Does Auto Insurance Cover the Damage to Personal Property in a Wreck?

Everyone carries personal possessions in their car and odds are you have a thing or two in your car right now that you may not necessarily need with you. That said, what happens if you are in an accident and these items are destroyed? For those looking for insurance coverage in the San Juan Capistrano, CA area, the agents with Capistrano Premier Insurance can help you find a policy that is going to work best for you.

In regards to those personal effects that you have been carting around in your car, your insurance does cover them but not each item specifically. You do get some money in terms of liability settlement when you have an accident with which you can replace the items that were damaged or destroyed. If you have items that are very expensive, you should have coverage on them specifically to help make sure that they are going to be safe if you do have an accident. Items like very expensive electronics, expensive jewelry, and other items that are going to cost a great deal to replace will be best covered if you have a separate policy just for them.

You can get a bigger payout in some cases if you do prove to your insurance agency that the item was destroyed as a direct result of the wreck and the damage that it caused. Your personal property is something that you should be thinking about protecting each day so you can be sure that no matter what, you are going to be able to recover if your things are destroyed. You can always speak with an agent like those at Capistrano Premier Insurance in the San Juan Capistrano, CA area to find out just what your policy covers and what additional coverage you may need.  

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