5 Surprising Types of Damage Covered By Car Insurance

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Mary Kurz · Sep 08, 2020
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    Car insurance pays for a lot of damages that you might not think would be covered. Some of these odd sources of damage are only insured by comprehensive car insurance, but a surprising number are actually covered by basic liability or collision insurance. In other words, if the damage is caused by rodents or unusual animal encounters, there’s a decent chance it might be covered by your auto insurance.
    The following are some causes of damage that you might not have known are covered by your car insurance policy, including damage from rodents, acts of God, and deer or other animals on the road.

    Damage from Rats or Mice

    The next time you put your keys in the ignition and your car won’t start because a rat or mouse chewed through the wiring, call your car insurance provider. If you have comprehensive coverage, the damage should be covered.

    Damage from an ‘Act of God’

    If your vehicle is damaged by an “act of God,” your car insurance will pay for the damages, as long as you have comprehensive coverage. An “act of God” is basically any sort of natural event, such as earthquakes, forest fires, and floods.
    Did you know that damage from space debris falling from the sky is also covered by your comprehensive car insurance? If your car is hit by a wayward piece of a satellite or a meteor, call your insurance provider. Don’t laugh: There are plenty of examples of this actually happening.

    Damage from an Animal

    If you run into a deer on the road, the damages will be covered by your car insurance as long as you have comprehensive coverage. This is one of those unfortunate but fairly common causes of vehicle damage.
    However, animal damage that is a bit less common is covered, too. Did you know that damage from a bear breaking into your car when you park it to go hiking is also covered? So the next time Yogi breaks into your car and steals your picnic basket, give your insurance provider a call.

    Damage to Other People’s Personal Property

    If your own personal property is damaged or stolen while it’s in your car, your car insurance won’t cover it. However, if somebody else’s personal property is damaged or stolen while it’s in your car, it’s covered. This is true even if you only have liability. You see, you are technically liable for the loss, so your liability insurance will cover it. By the same token, if your personal property is damaged in an accident that is the other driver’s fault, their insurance should cover it.

    Damage from Hitting a Pothole

    If your car sustains damage from hitting a pothole, or many potholes repeatedly, your car insurance will pay for the repairs. Believe it or not, this type of damage is actually covered under your collision insurance. Your insurance provider will consider this an “at-fault” event; however, it should be covered. If your insurance provider tries to use it as an excuse to jack up your rates, heavily consider changing providers. Depending on where you live, potholes can be inevitable.
    If your current car insurance provider tries to raise your rates unfairly, or if you simply want to find the best deal on car insurance, don’t hesitate to shop around and switch insurers. If your current provider won’t cover the above causes of damage, another company might be willing to help cover the expenses.
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    This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!