insurance

What car insurance does and doesn't cover

Car insurance covers your car, not what's in it
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The rental is covered ... sort of

More than 2,000 motor vehicle thefts on average occur in the U.S. every day, according to the FBI. Comprehensive auto insurance will compensate you if your vehicle is stolen, but it won't cover what's inside the car.

"If it's property specific to the use of your vehicle like a radio, CD player, those things would be covered," says Peter McMurtrie, chief claims officer for Grange Insurance based in Columbus, Ohio. "If your golf clubs are in the trunk of your car, that's not covered."

Mark Desrochers, president of personal lines for Hanover Insurance Group in Worcester, Mass., says comprehensive car insurance probably won't cover add-ons you've made like a sound system or modifications to accommodate the disabled.

"That's customized equipment that needs to be endorsed," he says "You have to upgrade your policy."


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