Car insurance policies provide coverage for accidental damage, but the coverage limits can vary depending on the specific type of coverage and your insurance policy’s terms and conditions. Here are some common types of coverage that may protect you and your vehicle against accidental damage.
Collision coverage
Collision coverage helps pay for repairs to your vehicle if it's damaged in a collision with another car or object, regardless of who is at fault. It usually covers accidents like hitting another car, colliding with a tree, or damaging your vehicle due to a single-vehicle accident.
Comprehensive coverage
Comprehensive coverage protects against non-collision incidents like theft, vandalism, and falling objects. It also covers accidental damage caused by natural disasters, such as hailstorms, floods, fires, or hitting an animal on the road.
Liability coverage
While liability coverage doesn't cover damages to your vehicle, it helps pay for damages you cause to someone else's vehicle or property in an accident where you are at fault.
Personal injury protection
Personal injury protection (PIP) protects you and your passengers in the event of an accident. It provides benefits for medical expenses, lost wages, and other related costs resulting from injuries sustained in a car accident, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who doesn't have insurance or doesn't have enough coverage to pay for your damages.
Final thoughts
Make sure to carefully review your insurance policy or speak with your insurance company to understand your coverage and any limitations or exclusions that may apply.
Remember, your car insurance coverage may vary based on the insurer and your auto policy. Don’t forget to take your needs and budget into account when purchasing car insurance.
