Does auto insurance cover accidental damage?

Auto insurance covers accidental damage under comprehensive coverage, which costs $148/year or $12/mo. on average. Car insurance for accidental damage is part of a full coverage policy. Comprehensive coverage will cover accidental damage from anything that is not a collision, including weather damage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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A Concise Overview

  • Comprehensive coverage will cover damage from unexpected accidents.
  • Collision coverage is usually more expensive than comprehensive because collisions occur more frequently.
  • Standard auto insurance only covers breakdowns or damages resulting from an unexpected accident or collision.
  • For sudden mechanical breakdowns, you will need mechanical breakdown insurance.

Does auto insurance cover accidental damage? Liability auto insurance covers accidental damage you cause to another vehicle, while collision covers damage to your car caused by an accident. Auto insurance covers accidental damage not caused by a collision when you add comprehensive insurance to your policy.

We are here to give you a clear view of how car insurance handles accidental damage. Continue reading to learn more about accidental damage and what coverage type you’ll need to cover it. Enter your ZIP code into our free comparison tool above to find the best coverage rates in your area.

Does auto insurance cover accidental damage?

Does my car insurance cover accidental damage? It all depends on what type of coverage you have on your policy and the type of accidental damage in question. Your auto insurance company will cover accidental damage if you have comprehensive coverage. Fully comprehensive insurance covers accidental damage from unexpected events, such as vehicle theft, falling objects, storms, fires, or any other disaster that doesn’t involve a collision with another car.

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Does collision and comprehensive auto insurance cover accidental damage?

What do collision and comprehensive car insurance cover? Comprehensive car insurance covers accidental damage that doesn’t involve a collision. On the other hand, collision coverage handles property damage when you’re in an accident regardless of who is at fault.

The following video further explains collision and comprehensive coverage.

Collision coverage is usually more expensive than comprehensive because collisions occur more frequently. Therefore, auto insurance companies issue higher rates whenever you need collision insurance coverage on your policy.

Auto Insurance Coverage Limits Explained

Your coverage limits will determine how much a car insurance company will pay for damages. Should you ever see a set of numbers such as 25/50/25 on your policy, it is known as a coverage rule. In this example, your coverage limits are $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage.

According to the Insurance Information Institute, every state has a unique coverage limit minimum. Raising your coverage limit could mean more expensive auto insurance rates. Let’s look at an example of how coverage limits affect full coverage at the top insurance companies in the United States.

Average Annual Auto Insurance Rates by Coverage Level
CompanyAverage Annual Rates for Low Coverage
(State Minimum)
Average Annual Rates for Medium Coverage
(50/100/50)
Average Annual Rates for High Coverage
(100/300/100)
USAA$2,404$2,540$2,668
Geico$3,002$3,214$3,429
State Farm$3,055$3,270$3,455
American Family$3,368$3,544$3,416
Nationwide$3,395$3,450$3,505
Progressive$3,737$4,018$4,351
Farmers$3,922$4,166$4,494
Travelers$4,224$4,462$4,619
Allstate$4,628$4,897$5,139
Liberty Mutual$5,806$6,059$6,356
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USAA, Geico, and State Farm are the cheapest companies when it comes to auto insurance by coverage level. Still, insurance inevitably becomes more expensive as you increase your coverage limits.

If your credit history is excellent or good, you can receive a discount. According to the Federal Trade Commission, auto insurance companies issue cheaper rates when a customer has a good credit score.

These rates reflect your full coverage auto insurance. Coverage limits will dictate if you have enough on your policy to pay for the cost, such as accidental damage.

What does full coverage auto insurance consist of?

Full coverage auto insurance consists of liability, collision, and comprehensive insurance. If you’re wondering, “Does full coverage cover accidental damage?”, the answer is yes. Since comprehensive insurance is part of full coverage, you’ll be covered if your vehicle is in an unexpected accident that doesn’t involve a collision.

Does full coverage car insurance cover accidental interior damage? If an unexpected accident damages your vehicle’s interior, you could receive compensation after your claim has been finalized.

Claiming on car insurance for accidental damage is the same as filing a collision claim on your policy. File a claim after the accident happens, wait for your company to investigate, and use the claim check on repairs or a new vehicle.

Find the perfect auto insurance company for your budget by entering your ZIP code in our free comparison tool.

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What does auto insurance cover and not cover in an accident?

Does car insurance cover repairs or mechanical problems? Your auto insurance company will not cover any breakdowns or damages to your vehicle that doesn’t involve an unexpected accident or collision. You may have to go shopping for mechanical breakdown insurance (MBI). MBI helps consumers with the cost of repairs when a vehicle suddenly breaks down.

According to the California Department of Insurance, MBI is a service contract that helps consumers with mechanical breakdowns. MBI works differently than vehicle warranties. Car warranties help with repairs, but you have to cover labor costs.

Does auto insurance cover accidental damage?: The Bottom Line

Comprehensive insurance covers accidental damage at your coverage limit. If the cost exceeds your coverage limit, you may not recover 100 percent of the damage received. Therefore, it’s a good idea to get a higher coverage level when you enroll in full coverage. With the right coverage, you can be compensated for medical bills, personal injury, and property damage.

It’s not too late to receive cheap auto insurance quotes. Enter your ZIP code into our free comparison tool below to get accidental damage auto insurance in your area.

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Frequently Asked Questions: Does auto insurance cover accidental damage?

#1 – What is considered accidental damage?

Accidental damage could result from a falling object(s), vandalism from criminals, vehicle theft, storm damage, fire, and any other incident that doesn’t involve a collision with another vehicle.

#2 – What type of insurance covers damage to your car from an accident?

Liability insurance covers any damage inflicted on someone else’s vehicle if you’re at-fault in an accident. Collision insurance covers any damages regardless of who is at fault. Comprehensive insurance covers damage from incidents that don’t involve collisions.

#3 – What should my property damage liability be?

Your property damage liability should at least be the state minimum, but medium coverage limits are recommended to ensure that damages are covered.

#4 – What is phone accidental damage?

Phone accidental damage occurs when your phone is compromised in a non-deliberate fashion, such as being stolen, dropped into water, dropped onto a hard surface.

#5 – Is it worth having accidental damage coverage?

Yes. If you live in an area that has high statistics for crime or bad weather, it may be in your best interest to get comprehensive coverage to pay for accidental damage.

#6 – What damage does auto insurance not cover?

Damage done to your vehicle that isn’t accidental, like normal wear and tear, will not be covered by insurance.

#7 – How does auto insurance pay for damages?

Once you file a claim, your car insurance company will inspect your vehicle, examine the information you gave them, and compensate you with a check to pay for damages and injuries once the investigation has been resolved.

#8 – What happens when you have a car accident, and it’s your fault?

Your liability coverage will pay for any injuries or property damage when the other party files a claim. After the claim has been submitted, your auto insurance rates will increase, and an accident will be recorded on your driving record.

References:

  1. https://www.iii.org/automobile-financial-responsibility-laws-by-state
  2. https://www.consumer.ftc.gov/articles/0152-credit-scores
  3. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/servcontextwar.cfm

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