Does car insurance cover bumper damage? This question is about Collision Insurance

Does car insurance cover bumper damage?

This question is about Collision Insurance

Lilah Butler, Car Insurance Writer

@lilah_c • 09/07/23 This answer was first published on 09/07/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, car insurance covers bumper damage. If another driver was at fault for an accident that caused bumper damage, their liability insurance should pay to repair your vehicle, and you can file a collision insurance claim regardless of fault. If you are at fault and you don't have collision insurance, you will need to pay out of pocket for repairs.

If the damage was caused by something out of your control, like a natural disaster or an animal, you will need to file a claim with your comprehensive insurance. Comprehensive insurance is an optional type of coverage, just like collision insurance, so it is not automatically included in every policy. In addition, comprehensive and collision insurance are usually subject to a deductible, which means it might not be worth filing a claim if the damage is minor.

Does car insurance cover repairs?

No, traditional car insurance does not cover ordinary repairs or maintenance to your car. If your car is covered by comprehensive insurance, your insurance company will cover mechanical repairs caused by a car accident, natural disasters, or other unforeseeable events.

Insurance companies do offer a type of coverage that policy holders can use for repairs. This coverage is called mechanical breakdown insurance (MBI), or repair insurance. MBI is offered by some insurance companies and comes with a...

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What is a collision insurance deductible?

A collision insurance deductible is the amount of money that a driver must pay out-of-pocket when filing a collision insurance claim. Collision insurance pays to repair or replace a car damaged in an accident, and a driver must pay their collision deductible before their insurance company will cover the remaining costs.

Collision Deductible Example

Say you are at fault in an accident that causes $10,000 in damage and you have a collision deductible of...

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What does car insurance not cover?

Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder’s injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.

However, exact coverage exclusions vary between policies. In addition, insurance companies offer extra policy add-ons that can protect you in situations that don’t fall under minimum car insurance coverage.

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