McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, full coverage does cover accidental damage. Accidental damage is covered by comprehensive car insurance, a main component of a full coverage insurance policy, which also provides protection for vandalism and theft.
Situations Where Full Coverage Covers Accidental Damage
- You hit an unexpected obstacle on the road, such as a deer.
- Your car is damaged in severe weather events, such as a hailstorm or hurricane.
- Your car is damaged by something outside of your control, like a tree falling on your vehicle.
Damage to your car that occurs in an accident in which you are at-fault is covered by collision insurance, which is also a main component of full coverage insurance. Additionally, if your vehicle is damaged in an accident you are not at-fault for, the at-fault driver's liability insurance will cover your repairs.
What To Do If Accidental Damage Occurs
- File a police report as soon as possible.
- File a claim with your insurer under your comprehensive insurance policy.
- Work with an insurance adjuster to finalize your claim.
Full coverage car insurance normally includes comprehensive and collision insurance and at least the minimum insurance coverage required by state law. Full coverage policies are designed to provide protection for car accidents and non-accident-related damage to ensure the policyholder is covered regardless of fault.
To learn more, check out WalletHub’s guide to full coverage car insurance.
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