Car insurance companies must find a balance between offering excellent insurance coverage and running a business.  In the Fox Business article 6 Auto Insurance Potholes, by Jay MacDonald, we learn some of the actions we should take to avoid damage that wont be covered.  When you get a State Farm auto quote or that from another car insurance company, they are covering damage to your car assuming that you act in a responsible manner.  Its just not possible for a car insurance company to exist and cover any possible thing that could happen to your car.  You have the responsibility to make good decisions, which should ensure that you are covered by your insurer if something does happen.

Any intentional damage to a vehicle or person will likely be excluded from your coverage, so keep your road rage in check.  When you compare car insurance policies, most have a livery exclusion.  So if you use your vehicle to make deliveries or transport people on a regular basis, whether for business or charity, you need a car insurance policy that specifies coverage for the continual transportation.  Be sure that your policy covers any damage if you lend your car to a friend or family member.  Your policy may or may not cover them and even if it does, it may limit coverage or stipulate that you have to be riding in the car with them.

Dont brush off your car salesman when they offer you lease-gap insurance coverage.  For those who lease vehicles or take out a loan to pay for new vehicles, a totaled car is usually only covered for the market value.  If you owe more than that, which most people do, you have to come up with the extra cash to cover the difference if your car is totaled.  If you dont have comprehensive coverage from a company like Bristol West car insurance, you probably arent covered from damage caused by acts of nature.  Comprehensive coverage will pay for storm or flood damage, problems animals cause to your car, or damage from hitting a large animal like a deer.  Anything that doesnt come with your car is not covered by your car insurance policy if stolen.  Electronics and shopping bags alike are not reimbursed, even if they are stolen from your car.  Make sure to double check your car insurance policy to see if you have any gaps.