Does Auto Insurance Cover Diesel Fuel in Gasoline Engine Car?
Introduction
Auto insurance policies typically cover damages and losses related to the operation of a vehicle, including fuel costs. However, whether or not auto insurance covers diesel fuel in a gasoline engine car is a matter of policy interpretation and state regulations. This article examines the coverage of diesel fuel in gasoline engine cars under auto insurance policies.
Coverage under Comprehensive Policies
Most comprehensive auto insurance policies cover damages caused by various events, including vandalism, theft, fire, and accidents. However, these policies typically do not cover the cost of fuel, regardless of the type of fuel used.
Exclusions to Fuel Coverage
Many auto insurance policies specifically exclude coverage for fuel-related expenses. This exclusion may be stated in the policy language as follows:
“Losses or damages arising from the transfer or storage of fuel.”
This exclusion means that the insurance company will not pay for fuel costs resulting from the following:
– Spillage or leakage of fuel
– Fuel contamination
– Fuel theft
– Delivery of the wrong type of fuel
State Regulations
In some states, there are regulations that specifically address the coverage of fuel in auto insurance policies. For example, in California, the Insurance Code states that an auto insurance policy may exclude coverage for fuel costs. However, this exclusion is only applicable if the policyholder knowingly puts the wrong type of fuel in their vehicle.
Coverage for Emergency Fuel Delivery
Some auto insurance companies offer roadside assistance coverage, which may include emergency fuel delivery. Under this coverage, the insurance company will reimburse the policyholder for the cost of fuel delivered to their vehicle in the event of a fuel shortage.
Precautions and Recommendations
To avoid potential coverage issues, policyholders should:
– Read their auto insurance policies carefully to understand what fuel-related expenses are covered.
– Contact their insurance company if they have any questions about fuel coverage.
– Avoid putting the wrong type of fuel in their vehicle.
– Keep documentation of fuel-related expenses, such as receipts for emergency fuel delivery.
Conclusion
Auto insurance policies typically do not cover diesel fuel in gasoline engine cars. However, some policies may include coverage for emergency fuel delivery. Policyholders should carefully review their policies and contact their insurance companies with any questions regarding fuel coverage. By understanding the coverage limitations, policyholders can make informed decisions and avoid unexpected expenses.
