Yes, car insurance can cover repairs, but it entirely depends on the type of coverage you have purchased. The simple rule is: comprehensive and collision coverage pay for damage to your own car, while liability coverage does not. If you only have the state-mandated liability insurance, it will not cover repairs to your vehicle after an accident you cause.
The process typically involves you filing a claim, an insurance adjuster assessing the damage, and you paying your deductible (your out-of-pocket cost) before the insurance covers the rest, up to your policy's limits. Repairs are usually done at a network shop, though you often have the right to choose your own repairer.
Here’s a quick breakdown of what coverage applies to different scenarios:
| Type of Incident | Coverage That Applies | Typical Deductible | Notes |
|---|
| At-Fault Accident | Collision | $250 - $1,000+ | Covers repairs to your car after you hit another car or object. |
| Not-At-Fault Accident | Other Driver's Liability | $0 | Their insurance should cover your repairs. |
| Theft, Vandalism, Fire | Comprehensive | $100 - $1,000 | Often called "other-than-collision" coverage. |
| Hail or Falling Tree Damage | Comprehensive | $100 - $1,000 | |
| Hit-and-Run | Collision or Uninsured Motorist | Varies by state/policy | Treated as an at-fault accident if you only have collision. |
| Windshield Crack | Comprehensive | Often $0 | Many policies offer zero-deductible glass repair. |
It's crucial to understand your policy's exclusions. Wear and tear, mechanical breakdowns, and intentional damage are never covered. For older cars, consider if the cost of full coverage (comprehensive + collision) is worth it, as the insurance payout might be low if the car is totaled. Always review your policy details and talk to your agent to avoid surprises when you need to file a claim.
