Yes, comprehensive insurance does cover accidental damage as long as the damage resulted from something that was not related to a car accident. Comprehensive insurance only covers non-accident-related damage, such as damage from a falling tree or a natural disaster.
On the other hand, if the accidental damage was the result of a collision or was determined to be caused by negligence, comprehensive insurance will not cover it. Also remember that comprehensive insurance often includes a deductible that must be paid out-of-pocket. As a result, if the cost to repair the accidental damage is less than or similar to your deductible amount, it may not be worth filing a claim, even if it is technically covered.
When Comprehensive Does Cover Accidental Damage
- The accidental damage was caused by an animal.
- The accidental damage was the result of a natural disaster or weather-related event.
- The accidental damage was caused by a tree or other object falling on to the vehicle or hitting the vehicle.
When Comprehensive Does Not Cover Accidental Damage
Comprehensive insurance will not cover accidental damage if it was caused by a collision with another vehicle or object, or as a result of normal wear and tear. Additionally, if the damage was intentionally caused or the result of negligence, the insurer may deny the claim.
To learn more, check out WalletHub’s guide to comprehensive insurance.
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