What parts will my insurance cover?

Answered by Car Insurance Expert Jessica on December 29, 2020

My car’s bumper, fenders, hood, and headlights were all damaged in a crash. Will my insurance cover repairs/replacement for all these parts?

expert avatar


Car Insurance Expert

It really depends who is at fault. For example, if the damages were a result of you rear-ending someone else, you would need to have collision coverage on your policy to replace/repair those parts. If you do not, that would be an out-of-pocket expense.

If the accident is not your fault and the other driver has insurance, you would be paid out through their policy through property damage coverage.

If the accident is the fault of the other driver and they do not have insurance, you would need uninsured motorist property damage coverage on your policy to pay for the repairs/replacement.

Car Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store