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What does car insurance cover for repairs?

What parts of a vehicle does insurance cover? I want to understand the limits of an insurance policy in case of an accident.

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Knowing what your
car insurance
does and doesn’t cover in the event of an accident is important! Staying informed ensures there aren’t any surprises if an accident occurs.
Car insurance typically covers the cost of repairs when damage occurs during an accident or from perils like theft or fire.
Some of the parts of the vehicle that insurance may cover include:
  • Electrical systems
  • Air conditioning and heater
  • Cooling systems
  • Engine
  • Steering system
  • Exhaust system
  • Fuel systems
  • Transmission
To have your vehicle covered under most circumstances, you’ll need to purchase full coverage insurance, which includes
collision insurance
and
comprehensive coverage
.
Both of these coverages will protect your vehicle from damage, regardless of fault.
If you don’t currently have full coverage or would like to adjust the coverage on your policy, be sure to shop around. Try using the
Jerry
app. Jerry gathers personalized quotes from the top providers and delivers the best deals to your phone in minutes for free.
Good luck with your repairs!”
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