Does Car Insurance Cover Accidental Damage?

Your auto insurance company will cover accidental damage if you have comprehensive coverage. Fully comprehensive insurance covers accidental damage from unexpected events, such as vehicle theft, falling objects, storms, fires, or any other disaster that doesn't involve a collision with another car.

What is accidental damage on car insurance?

An accidental damage claim occurs when there was no other vehicle(s) involved, e.g. you reverse into a pillar and you claim for the damage to your own car.

What damage does car insurance not cover?

Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder's injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.