Accidents that do not involve another driver. You may have to file an insurance claim for damage to your own car after a collision with something other than another vehicle. Collision insurance covers a wide variety of incidents, such as hitting a fence or utility pole, as well as rolling your vehicle. Collision insurance also covers damage to your vehicle caused by colliding with another car.
Some things that could damage your vehicle are out of your control, and comprehensive insurance helps pay for those expenses. Comprehensive insurance covers damage caused by Mother Nature (hail, floods, tornados, etc.). It also covers vandalism, theft, and even falling objects. Knowing what car insurance covers can help you choose the coverage you need and avoid paying for the things you don't need.
Finding out what your car insurance doesn't cover should give you an idea of the situations in which you'll be solely responsible for the bills. Most auto policies include several types of auto insurance coverage, and each one is designed to pay for the different expenses that could arise after an accident. You can check with your state's insurance department to find out what types of car insurance you're required to have and what minimum coverage is required. Nearly every state has some type of minimum car insurance requirements, including liability for property damage.
An auto insurance policy financially protects drivers in the event of an accident, and property damage liability insurance is a type of coverage that is included in auto insurance policies. If you hit a business window and have to close for repairs, your car insurance company can also cover the owner's lost income. If you cause an accident and damage someone else's property, your insurance company will pay on your behalf up to the coverage limit listed on the statements page of your insurance policy. Property damage liability is part of an auto insurance policy that helps pay for the repair of damage caused to someone else's vehicle or property.
When buying car insurance or renewing your current auto insurance policy, it's important to understand what liability for property damage does and doesn't cover and what coverage you should include in your auto policy. Knowing the difference between the different types of car insurance is important to ensure that there are no gaps in coverage that could cause you to have to pay for repairs or medical expenses out of pocket. Personal items that are damaged in an accident or that are stolen from your vehicle are not covered by your car insurance. After reading the list in the previous section, you may have noticed that there are many situations where car insurance helps if you only signed up for additional coverage.
If someone breaks into your car and steals a laptop, briefcase, backpack, or bag, your homeowners or renters insurance may cover these items.