--- title: "4 Surprising Things Not Covered by Personal Auto Policies: What You Need to Know" description: Know auto policy exclusions. Mexico, ride-share, belongings, upgrades may need extra coverage. Get expert advice at Concklin Insurance. image: https://blog.concklin.com/hubfs/Imported_Blog_Media/female-driver-talking-to-passenger-in-back-seat-or-2022-12-16-06-32-11-utc.jpg --- [Skip to content](https://blog.concklin.com/blog/4-surprising-things-not-covered-by-personal-auto-policies-what-you-need-to-know.html#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Mar 28, 2023, 12:00:00 AM # 4 Surprising Things Not Covered by Personal Auto Policies: What You Need to Know ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/blog/4-surprising-things-not-covered-by-personal-auto-policies-what-you-need-to-know.html) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/blog/4-surprising-things-not-covered-by-personal-auto-policies-what-you-need-to-know.html) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/blog/4-surprising-things-not-covered-by-personal-auto-policies-what-you-need-to-know.html) [envelope icon](mailto:?body=https://blog.concklin.com/blog/4-surprising-things-not-covered-by-personal-auto-policies-what-you-need-to-know.html) 4 Surprising Things Not Covered by Personal Auto Policies: What You Need to Know 2:22 Auto insurance is a crucial part of responsible car ownership. It helps protect you financially in the event of an accident, theft, or damage to your vehicle. However, many drivers are surprised to learn that their personal auto policy may not cover everything they assumed it would. Here are some surprising things not covered by personal auto policies. Coverage in Mexico If you plan on driving to Mexico, you need to purchase separate insurance coverage for your vehicle. Many personal auto policies do not provide coverage for accidents that occur in Mexico. Some companies offer temporary coverage for drivers traveling to Mexico, but it's essential to check with your insurance provider before your trip. ## Ride-share If you drive for a ride-sharing service like Uber or Lyft, your personal auto policy may not cover you while you're working. Ride-share companies provide some insurance coverage, but it may not be enough to protect you in the event of an accident. In some cases, you may need to purchase additional coverage specifically for ride-share driving. ## Personal belongings Most personal auto policies only cover damage to your vehicle and liability for injuries to other people and their property. They typically do not cover personal belongings that are lost or stolen from your car. If you have expensive equipment, like cameras or laptops, you may need to purchase additional insurance to protect them. ## Aftermarket upgrades If you've made upgrades to your vehicle, like adding new wheels or a high-performance exhaust system, your personal auto policy may not cover them. You may need to purchase additional coverage to protect aftermarket parts in the event of damage or theft. It is essential to carefully review your auto insurance policy to understand what is and isn't covered. While personal auto policies provide crucial protection in the event of an accident, theft, or damage to your vehicle, they may not cover certain unexpected situations. By being aware of these exclusions, you can make informed decisions about additional coverage options to ensure that you have the protection you need when you need it most. It is recommended to speak with an insurance professional to understand your policy and explore any additional coverage options that may be available to you. 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