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Another condition is that the breakdown must be unrelated to negligence on your part. Insurance companies typically exclude claims related to mechanical failures caused by improper maintenance or driver error. For instance, if your car breaks down due to a lack of regular oil changes, most insurers will not cover rental car expenses unless you have specific provisions in your policy.
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Moreover some states have enacted no-fault insurance systems meaning each driver involved accident files claim own insurer regardless who caused fault behind wheel at time crash occurred this approach streamlines claims process reduces litigation costs associated disputes between parties however does nothing change regarding what types damages covered under policy terms conditions set forth by individual insurers themselves still apply regardless fault determination made after investigation completed by adjusters assigned case therefore still imperative read understand policy details thoroughly before signing anything ensure adequate protection provided needed situations arise requiring use services offered by those companies we choose represent ourselves financially protect ourselves against potential losses arising from unfortunate events beyond our control happen during course normal daily routines driving life forward confidently knowing we've taken necessary steps safeguard ourselves against unforeseen expenses arising from accidents collisions involving our vehicles while traveling upon public roads across America's vast network highways interstates streets etc..
