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To address gaps in standard policies regarding non-owned vehicles, some insurers offer additional endorsements or riders that can be added to existing policies at an extra cost. These endorsements may provide limited protection when driving other cars but often come with restrictions and exclusions that should be carefully reviewed before purchasing.
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At first glance, one might assume that car insurance would naturally extend to cover the replacement of a dead battery. After all, what could be more essential to a vehicle's operation than its power source? However, the reality is far more intricate. Most standard auto insurance policies are designed to cover damage to your vehicle and liability for accidents involving other parties. They typically do not include routine maintenance items like replacing a worn-out battery. This exclusion is rooted in the fact that batteries are considered wear-and-tear components, much like tires or brake pads.
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