Does Insurance Cover Damage I Caused To My Own Car?

Understanding Insurance Coverage for Damages Caused to Your Own Car

When you purchase auto insurance for your car, you're buying a policy that provides protection for a variety of different scenarios. It's important to understand the extent of coverage you have, so that you know what is and isn't covered. One of the most common questions is whether or not you're covered if you cause damage to your own car.

The answer depends on the type of coverage you have. Traditional auto insurance usually covers damages caused by you, other drivers, and even Mother Nature. But if you cause damage to your own car, it typically has to be covered under a different type of policy. So, if you want to make sure you're covered for damage caused to your own car, you'll need to make sure you have the right coverage.

Comprehensive Coverage

Comprehensive coverage is the type of insurance that covers damages caused to your car by non-collision incidents. This includes things like fire, theft, vandalism, and damage caused by animals. It also covers damage you may cause to your own car, such as backing into a telephone pole, running into a fence, or hitting a guard rail.

Comprehensive coverage is typically optional and not included in the standard auto insurance policy. But if you have a newer car, it's often a good idea to add comprehensive coverage. That way, if you cause damage to your own car, you'll have the protection you need.

Collision Coverage

Collision coverage is the type of insurance that covers damages caused to your car by a collision with another car or object. This includes things like fender benders, rear-end collisions, and head-on collisions. It also covers damage you may cause to your own car, such as running into a tree, a wall, or a ditch.

Collision coverage is also typically optional and not included in the standard auto insurance policy. But if you have a newer car, it's often a good idea to add collision coverage. That way, if you cause damage to your own car, you'll have the protection you need.

What If I Don't Have Comprehensive or Collision Coverage?

If you don't have comprehensive or collision coverage, you won't be covered if you cause damage to your own car. This means you'll have to pay for all the repairs out of your own pocket. That can be expensive, especially if you have an expensive car or the repairs are extensive.

The good news is that comprehensive and collision coverage are usually relatively inexpensive. So, if you have a newer car, it's usually a good idea to invest in this type of coverage. That way, if you cause damage to your own car, you won't have to worry about paying for the repairs out of pocket.

Conclusion

If you want to make sure you're covered for damages caused to your own car, you'll need to make sure you have the right type of coverage. Comprehensive coverage covers damages caused by non-collision incidents, while collision coverage covers damages caused by a collision with another car or object. Both are typically optional and not included in the standard auto insurance policy, but if you have a newer car it's usually a good idea to invest in this type of coverage. That way, if you cause damage to your own car, you won't have to worry about paying for the repairs out of pocket.