Does full coverage cover rock chips? This question is about Full Coverage Car Insurance Guide

Does full coverage cover rock chips?

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This question is about Full Coverage Car Insurance Guide

McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 01/20/22 This answer was first published on 01/20/22. 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, full coverage does cover rock chips. Rock chips are covered by comprehensive car insurance, a main component of a full coverage insurance policy, which also provides protection for animal damage and damage from natural disasters.

Situations Where Full Coverage Covers Rock Chips

Rocks flung from under the wheels of another vehicle hit your car.
The paint on your car has chips and scratches caused by flying rocks on the road.
There are rock chips in your windows or headlights.

Comprehensive insurance is subject to a deductible you must pay out of pocket. If the damage is minor, it might not be worth filing a claim.

What To Do If Rock Chips 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.

Answer Question

What does comprehensive insurance cover?

Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.

What Comprehensive Insurance Covers

Theft
Vandalism
Floods
Fires (not related to a collision)
Natural disasters
Animal damage (including hitting a deer or...

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When should you drop comprehensive insurance?

You should drop comprehensive insurance when you can afford to repair or replace your car out of pocket in a worst-case scenario. You should not drop comprehensive insurance if the car is valuable, since the coverage is inexpensive and will usually pay up to the car’s actual cash value, minus a deductible. Additionally, you definitely should not drop comprehensive coverage if it’s required by your lender or lessor. Doing so can result in serious consequences like...

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How much is comprehensive insurance?

Comprehensive insurance costs $160 per year on average, making it an inexpensive coverage option. Like with any type of car insurance, comprehensive insurance premiums vary based on factors like location, the driver’s age, and the vehicle’s value.

Additionally, comprehensive insurance is subject to a deductible, often ranging from $500 to $1,500. The driver can choose her own deductible when purchasing the policy. Higher deductibles mean lower premiums, and vice versa.

Comprehensive insurance covers...

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