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Why Car Insurance May Not Pay if You're Careless

Have you ever left your car running, doors unlocked, while you ran inside to get something?

If someone stole your car at that time, chances are your car insurance company would refuse to compensate you for the theft - even if you have comprehensive insurance.

This is known as a situation that "increases the risk of theft", and there is probably language in your policy that excludes payments due to this type of carelessness.

Another example is if you are in an accident due to reckless driving or racing another vehicle.

Car insurance is meant to protect you in case of a genuine accident - not something that was caused by reckless behavior. Many car insurance companies will not cover these types of damage claims.

Next time you feel the urge to leave your car running while unattended, or worse - race another vehicle, remember that you're on your own and will probably not be protected if you cause damage.

My Recommendation for Car Shoppers

TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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