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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Determining whether your
new car replacement insurance
or comprehensive claim
will apply to help cover your damaged vehicle will depend if your car is considered a total loss.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 typically applied 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.
However, 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.
Note that your car insurance premium may increase after an accident. But fortunately, you can do something about it. Download the
Jerry
app to shop around for better rates.Jerry will gather competitive quotes from top name-brand providers in under a minute and deliver the best car insurance deals straight to your phone for free. And if you choose a new policy or provider, Jerry will even help you make the switch and cancel your old insurance for you.”
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- Gregory R.
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