Many people today would be lost without cellular phones in their cars. Unfortunately, accidents do happen. If your car is wrecked or stolen, so is your cell phone. Your damaged or missing cell phone is not generally covered under your auto insurance policy. Special insurance coverage, however, can protect you from such a loss.

Most auto policies exclude any equipment designed for the reproduction or transmission of sound unless it comes from the manufacturer already installed. This probably excludes your cell phone. To cover your phone in case of theft or damage, you can purchase a special endorsement or a "floater" policy designed to cover sound transmitting equipment that you purchase separately from the car and have installed.

Your cellular phone may be small in size, but it plays a much bigger role in making your life easier. Something this important to your daily life needs to be protected.