McKayla Girardin, Car Insurance Writer
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.
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