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Does auto insurance cover personal items involved in an accident?

Many people wonder how much their auto insurance actually covers and if personal items are included in their policy.

Did you know that legally insurers are required to pay for all reasonable expenses incurred to repair or replace personal items. These items include:

• Clothing worn at the time of the accident that was lost or damaged

• Dentures

• Hearing aids

• Prostheses

• Any other medical or dental devices that were lost or damaged in the accident

In order to receive reimbursement for replaced or repaired items, you must submit a claim with all receipts and necessary supporting documentation. If your claim is denied you may need to consult a lawyer as there are strict time limitations to dispute denied claims and the process involved can be tedious and complicated. To learn more about these limitations you can contact GIO free of charge at 1-877-225-0446 or via the GIO website.

For more information, read the full article from The Spec ( For specific detail on what you would be entitled to in the case of an auto accident, contact your insurance broker or company agent.