What Does Car Insurance Cover?

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Can I file a car insurance claim for a scratched door?

Car insurance companies decide what damage will be covered based on the cause of the damage. Whenever you file an insurance claim, the company will ask you for details regarding when and how the accident occurred. If you do not know what caused the damage, an insurance adjuster will inspect the damage to the vehicle...

Car insurance companies decide what damage will be covered b...

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Will car insurance cover if I hit my house with my car?

No one likes to be involved in an auto accident, but an accident involving both your house and the car can be extremely inconvenient and embarrassing. These accidents happen frequently, especially when the vehicle is parked in a garage at night. Something as simple as stepping on the accelerator instead of the brake or putting...

No one likes to be involved in an auto accident, but an acci...

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Will my car insurance cover towing charges?Post

Will my car insurance cover towing charges?

Being stranded due to an accident or vehicle breakdown can be a major inconvenience. Knowing that your vehicle can be towed safely to your home or repair shop at any time provides peace of mind. You may ask yourself, will my car insurance cover towing charges? Depending on the cause of your vehicle’s disablement and...

Being stranded due to an accident or vehicle breakdown can b...

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Will car insurance cover my child away at college?

College is a time of transition, not only for students but also for parents and other family members. In many ways, college students are adults; they have not fully made the transition into living independently, however, especially not in the first few years of their schooling. Car insurance is one thing many parents may not...

College is a time of transition, not only for students but a...

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Will my car insurance cover my boyfriend?

Yes! If your boyfriend is a licensed driver and has your permission to use your car, he generally would be covered under your auto insurance. He should also be of legal age, as special rules apply to underage drivers in many states. Auto insurance policies generally cover the named insured and is issued in the...

Yes! If your boyfriend is a licensed driver and has your per...

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Will auto insurance cover my car catching fire?

Hollywood is full of images of cars exploding on impact. Although this rarely happens in real life, cars do sometimes catch fire. And in real life, your most pressing question in that situation will be does my auto insurance cover car fires and subsequent damage to your vehicle? The good news is that auto fires...

Hollywood is full of images of cars exploding on impact. Alt...

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Does auto insurance cover a stolen stereo?

Why should you have stolen stereo car insurance? Although not as common as it once was, stereo theft is still a major concern. People will break into a car and steal the stereo to resell or pawn it for cash. They may even steal any valuables in the vehicle. Fortunately, there are affordable car insurance...

Why should you have stolen stereo car insurance? Although no...

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Will car insurance cover damage to a sun roof?

Many vehicles come equipped with a sun roof or moon roof. This is a stylish way to let some natural light into a vehicle or enjoy the benefits of fresh air without owning a full convertible. Unfortunately, these glass panels are often easily damaged by collisions, vandalism, falling objects or other perils. Luckily, auto insurance...

Many vehicles come equipped with a sun roof or moon roof. Th...

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Will my car insurance cover car pooling?

Car pooling is a way to reduce the costs of transportation to and from work, school and other destinations. When you car pool, you travel with a group of people in a single vehicle rather than each person driving their own individual car. Because only one car is used at its full capacity, there are...

Car pooling is a way to reduce the costs of transportation t...

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Do I need liability insurance on a collector car?

For many people, restoring a collector’s vehicle is a fun and challenging hobby. For others, it can be a powerful status symbol or just a way to get a great-looking car. Whatever the purpose of the vehicle, it’s important to carry an appropriate amount of insurance on a collector’s car. Antique cars have special needs...

For many people, restoring a collector’s vehicle is a ...

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Will my car insurance cover a repossessed vehicle?

Whenever you finance a vehicle, you do not properly own the car until all payments have been completed and the car is paid off. Whether you are leasing or simply making payments toward ownership, the financing company is allowing you to use the car on the agreement that you will pay for it incrementally until...

Whenever you finance a vehicle, you do not properly own the ...

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Is my boyfriend covered under my car insurance?

If your boyfriend operates your car occasionally, you may make the assumption that he is covered under your car  insurance policy. This is a natural assumption; after all, most car insurance policies cover other drivers who operate your vehicle, so your boyfriend should be covered by your policy for any damage he causes. However, there...

If your boyfriend operates your car occasionally, you may ma...

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Is my girlfriend covered under my car insurance?

If someone else drives your car, you could be in for an unpleasant surprise if that person is not covered by your auto insurance policy. For example, are you certain that your girlfriend is covered if she operates your vehicle? If she is not and causes an accident, you could be personally responsible for the...

If someone else drives your car, you could be in for an unpl...

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Do I need separate car insurance for every car I own?

If you own more than one car, do you need more than one car insurance policy? That question is a little misleading, and reveals a misunderstanding of just how auto insurance works. A better question might be, “What kind of insurance do I need for each car I own?” You may have different types of...

If you own more than one car, do you need more than one car ...

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Do I need different car insurance for off-road vehicles?

Many people enjoy riding dirt bikes, four-wheelers, snowmobiles, Jeeps, and other off-road vehicles. However, if you enjoy hitting the trails, don’t make a crucial error when insuring these vehicles. They are under the mistaken impression that their auto policy or homeowners insurance will cover damages caused to or by their operation of these vehicles. This...

Many people enjoy riding dirt bikes, four-wheelers, snowmobi...

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Will car insurance cover me driving somebody else’s car?

Whether you’re a college student borrowing your parent’s car, a friend swapping driving shifts on a long road trip or a designated driver coming home from a party, sometimes the occasion arises when you need to drive someone else’s vehicle. Most of the time, this happens safely and there are no concerns. Sometimes, however, accidents...

Whether you’re a college student borrowing your parent...

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Are off-road vehicles covered under typical car insurance?

Off-road vehicles are can be a lot of fun but, if you are not properly covered, it may cost you. They are not typically covered under a standard car insurance policy. You will need a special policy to cover any off-road vehicles you own such as dirt bikes, all-terrain vehicles, and 4x4s. Not all car...

Off-road vehicles are can be a lot of fun but, if you are no...

Does my car insurance cover stolen tires and rims?Post

Does my car insurance cover stolen tires and rims?

Stolen tires and rims will only be covered under your car insurance policy if you have the proper coverage in place. In other words, if all you have is the minimum liability required by your state, you are only covered for bodily injury, property damage, and personal injury protection as mandated. Rims and tires are...

Stolen tires and rims will only be covered under your car in...

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Am I automatically covered under a family member’s car insurance?

Car insurance can be expensive, and many people want to avoid purchasing their own auto insurance policy if it isn’t absolutely necessary. If you live with someone who already has car insurance, do you need to buy a separate policy? Do you have to be listed on their policy in order to be covered by...

Car insurance can be expensive, and many people want to avoi...

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Will my car insurance cover injuries to passengers?

When it comes to car accidents, damage coverage is very straightforward: Either a car will be repaired by insurance, or it won’t. Injury coverage is much more complicated, however, and depends upon a number of factors. Injury coverage is determined largely by state law, so specifics coverage will vary from one state to the next....

When it comes to car accidents, damage coverage is very stra...

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