What Does Your Car Insurance Cover?

car insurance coverage

You may know the name of your insurance company and the type of insurance you have, but how about what your policy covers? Here’s a quick lesson.

ScenarioType of insurance coverageHow it works
Act of natureComprehensiveComprehensive car insurance may pay for repairs from hail damage, a falling tree limb or other weather-related damage.
Vehicle theftComprehensiveYour comprehensive coverage policy would cover a stolen vehicle.
Driving a friend’s carLiability coverageIf you’re in an accident while driving a friend’s car, liability insurance may cover you under your own auto insurance policy.
Before letting someone else drive your car, find out what kind of coverage they have. You may also get extra protection under your liability coverage. Check with your agent to see what conditions/exclusions may apply or if other insurance coverages on the vehicle may be considered primary coverage.Subject to conditions and exclusions. Other insurance coverage on the vehicle may be primary coverage.
Rental carsRental Reimbursement/Loss of UseIf your car is damaged in a covered collision, rental car reimbursement may help pay for a loaner while it’s being repaired.Subject to policy limitation and coverage limits.
Animal collisionComprehensiveIf your car is damaged when you hit a deer, for instance, comprehensive insurance may pay for damage caused by the accident, such as a broken windshield.
VandalismComprehensiveIf your car is vandalized, comprehensive insurance may cover the resulting damage.
Locked out/stolen keysRoadside AssistanceIf you accidentally lock your keys in the car, a roadside assistance policy may cover you. Check with your insurer about stolen keys.Specific terms may vary by state and chosen coverage.
Medical billsMedical Payments CoverageIf you’re in a covered accident and you or a passenger is injured, your medical payments coverage could reimburse you and your passenger’s medical expenses.
TowingTowing and Labor Insurance or Roadside AssistanceThis coverage would cover you in the event you need your car to be towed. You may also be covered for labor costs to get your car running again.Subject to coverage terms limits and conditions.
After market accessoriesCustom Parts and Equipment Coverage (Comprehensive)You may be able to add custom parts and equipment coverage to your collision or comprehensive policy to protect a high-end sound system or other custom add-on. Check with your insurer.

 

As with all insurance, coverage availability may vary by state and exclusions may apply. Check with your insurance agent to see what options are available to you. Learn more about the types of auto insurance options.