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Midland, TX 79705

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Tag: auto

Does Auto Insurance Cover Items Stolen From Your Car?

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Auto insurance is required by law. But even if it weren’t, you need it to protect your investment. And while it’s important to have coverage for your vehicle, it’s equally important to protect its contents. Whether you like to customize the inside with accessories, travel from home to school with all of your tech (laptops, headphones, etc.), or have a lot of things stored inside your vehicle, you don’t want to pay out of pocket if your car is stolen or broken into.

Does auto insurance cover stolen items if your car is broken into? Here’s what comprehensive auto insurance does (and doesn’t) cover, and how to get all the coverage you need with Ledford Insurance Agency, serving Midland, TX. 

Your  Auto Insurance Doesn’t Cover Theft of Items, But It Doesn’t Need To

Auto insurance is surprisingly not designed to cover the contents of your vehicle. With comprehensive auto insurance, you only get coverage for your vehicle if it’s stolen, damaged, or otherwise affected. But while your contents aren’t covered under your auto insurance policy if they’re impacted by theft, you don’t actually need them to be. Your homeowners or renters insurance can help cover the theft of items in your car, even if the theft didn’t occur on your property. Make sure you have comprehensive coverage in case your vehicle is stolen ot broken into.

Shop Car Insurance and More at Ledford Insurance Agency

If you’re in the market for auto insurance or other forms of insurance, we’re here to help. Discover your options with the team at Ledford Insurance Agency, serving Midland, TX. Compare quotes with us to get started.

Difference Between Personal and Commercial Auto Insurance

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At first glance, car insurance may seem the same whether you’re driving to the office or hauling equipment to a job site. However, personal and commercial auto insurance are designed for very different situations. Knowing which type of coverage you need is crucial, especially when a claim is involved. Your insurance agent at Ledford Insurance Agency, serving Midland, TX, wants you to understand the difference.

Personal Auto Coverage

Personal auto insurance is tailored for everyday use, such as commuting, running errands, or taking weekend trips. It protects you, your family members, and your vehicle against accidents, theft, and liability. However, it assumes the car is being used in a private, non-business capacity. Once you start using the vehicle for work purposes, the boundaries of coverage can become unclear.

Commercial Auto Coverage

Commercial auto insurance is designed for business-related driving. This could include a single pickup truck used to carry tools, a van delivering products, or an entire fleet of vehicles. Commercial policies offer broader coverage to reflect the higher risks associated with heavier use, larger vehicles, or transporting clients and equipment. They also provide higher liability limits, which can be critical if an accident results in costly damages or involves multiple parties.

Why the Difference Matters

Using a personal vehicle for business purposes without the appropriate policy can leave coverage gaps. For example, if an accident occurs while making deliveries or transporting materials, a personal policy may deny the claim. Commercial insurance fills this gap, ensuring both the business and the driver are protected.

For Texas drivers, the choice between personal and commercial auto insurance depends on how the vehicle is used daily. Discussing your situation with an agent at Ledford Insurance Agency, serving Midland, TX, can help determine whether personal coverage is sufficient or if commercial protection is the better option. Making the right decision ensures drivers and businesses are covered where it matters most. Contact us today to learn more.

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