What happens if your personal belongings are damaged as a result of being involved in a car accident? By personal belongings, we are talking about items that are not attached to the car. Things like music CDs, a cell phone or even an antique lamp that you are transporting in the back seat of your car. Damages to your personal belongings that occur as the result of a car accident are not covered by your auto insurance in all, but the rarest, of cases.
If you are driving home from the grocery store on a rain-slicked road in Burlington, North Carolina, and take a turn too sharply, and slam into a tree, your broken eggs and cracked cell phone are not going to be covered under your auto insurance policy.
Auto insurance covers your car, other cars and the people inside of other cars. Any time there are damages to your personal belongings, it is almost always your financial responsibility to bear. While North Carolina auto insurance policies do not normally provide reimbursement for such losses, you may be able to file a claim and recover a percentage of your personal belongings loss with your home owner’s insurance policy.
Home insurance policies do cover some losses that occur when you are transporting personal belongings in your vehicle, but these claims are not always easy to get approved. A home policy is more likely to compensate you if your brand new big screen TV is stolen from your parked vehicle than if you get in an at-fault accident and the screen is cracked.
Auto accidents are treated differently than theft when it comes to claims filed with your home policy. With car insurance, unless you have a specific endorsement written into your policy, you are pretty much out of luck if your personal belongings get damaged.
As your independent agent, here in Burlington, North Carolina, we can review your auto and home policies and let you know, in more specific terms, whether you have some protection against damages to your personal belongings in the event of a car accident.