Does new car replacement insurance apply if I filed a comprehensive claim for damage?

I have comprehensive and new car replacement coverage. I'm waiting to find out if my insurance will mark my car a total loss. What would my new car replacement coverage cover if my vehicle is deemed a total loss? Would I still qualify for it, even though I filed a comprehensive claim?

Answer
“If your car is deemed a total loss, your car insurance company will pay out the actual cash value of your vehicle, minus depreciation.
New car replacement coverage is normally only available to vehicles that are one or two years old and under a certain mileage limit.
If your car meets those requirements, your insurance company will pay to replace your vehicle with a comparable make and model. Even if you’ve filed a comprehensive claim, you’re still eligible for the coverage.
If your vehicle isn’t deemed a total loss, your insurance company will pay for the repairs to your vehicle, minus your deductible, under your comprehensive coverage. “
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Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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