Surprising Things Auto Insurance Covers

Auto insurance can cover a number of different things, and there are some obvious benefits, but there are also some you probably didn’t think of in Phoenix, AZ. An agent at Genesis Insurance can help you with any questions about your policy.

  • Damage from Rodents: It may not be likely, but rodents, such as mice and squirrels, can do severe damage to the inner workings of a vehicle. They do this damage by building nests or chewing on electrical wires. Comprehensive coverage can pay for damage that is caused by animals.
  • Car Seats: Car seats are needed in order to protect your children properly and should be replaced after an accident. Insurance companies view car seats as part of your car, and they are covered under collision coverage.
  • Falling Objects: Comprehensive coverage will cover all falling objects, whether that’s a tree branch that comes down during a storm, construction materials falling, or rocks from an overpass.
  • Wildlife: Animals in the road can cause a lot of damage, and even hitting a small animal can trigger an accident. Comprehensive coverage will pay for repairs. It’s not just getting into a collision with a vehicle. For example, if a bear rips into your car to get food, you could be covered as well.
  • Potholes: If you hit a pothole at high speed and cause damage to your vehicle, your collision coverage can come in handy. Technically, you would be considered at fault for the accident, but repairs to your car will be covered.
  • Others’ Personal Property: Your personal property in your car, such as your laptop, isn’t covered under your car insurance, but someone else’s property is. If there is damage to someone’s property while in your car, the liability insurance will help pay for any costs.

Contact Genesis Insurance, serving Phoenix, AZ, to get a quote on auto insurance. 

Bad Driving Habits can Damage Your Car

Many drivers are guilty of bad driving habits that damage their vehicles. Most people, however, are unaware of these habits or the damage they can cause. Recognizing these habits can give you the incentive to stop. Here are some of the most common driving habits that cause vehicles harm.

Riding Brakes

Braking is an essential aspect of driving. Riding your brakes, however, is not. Riding brakes, especially when going downhill, will cause them to wear out quicker. Brake overuse can even cause brake discs to warp before their time, forcing you to have them replaced at your expense.

Accelerating /Braking Rapidly

Although there are times you have to stop suddenly, some people have a habit of accelerating rapidly and then braking rapidly to avoid hitting someone or running a light. Rapid accelerations will burn fuel more quickly, and sudden stops will wear out your brakes before their time. By paying more attention to your driving, you can learn to accelerate and brake smoothly so as not to harm your car.

Carrying Heavy Loads

Although modern vehicles have the capacity to carry heavier loads, you shouldn’t overdo it. The more weight your car carries, the greater the strain on its suspension, drivetrain, and brakes. If you don’t need to lug around extra stuff, don’t. Driving lightly will save you gas and protect your car.

Hitting Potholes/Speed Bumps at Rapid Speeds

Driving too quickly on unfamiliar roads in Phoenix, AZ can cause you to hit potholes at rapid speeds. The more potholes you hit, the greater your chances of damaging your tires or causing wheels to become unbalanced.  

Careful driving can improve the performance and condition of your car. In like manner, insurance protection from Genesis Insurance in Phoenix, AZ can safeguard you and your family on the road. To learn more about auto insurance options, contact Genesis Insurance.


Is it ever legal to drive without insurance?

A common misconception is that it’s legal to drive your car without insurance if you’re planning to buy insurance. This isn’t the case. Luckily, you can buy a policy through Genesis Insurance, so you don’t need to drive without insurance. If you insist on buying your coverage in person, you can always have a friend drive you to get covered. But you don’t want to drive without insurance.

The same goes for driving without proper registration, up to date stickers and so on. If you need to get a license plate, take your driver’s license test, or buy insurance in Phoenix, AZ, you’ll want to do that by mail, over the internet, or have a friend drive you to get the job done.

Of course, it is entirely possible that you can drive wherever it is you’re going without insurance an hope you don’t get pulled over, but you’re rolling the dice on that. You never know when you’re going to hit a traffic checkpoint, you never know when you’re going to miss a speed limit sign and get pulled over, or have an officer hit his sirens because you didn’t know your rear tail light wasn’t working. Our advice: It’s just not worth the risk. The fines you’re going to wind up paying for driving without the proper documents can get very expensive very quickly.

Buying insurance through Genesis Insurance is fast and easy, and we have plenty of options for Phoenix, AZ, and Texas drivers, so there’s no reason you should have to drive without coverage. Reach out to our agents to get your questions answered and try our online rating tool for a quote on auto insurance.