Auto Insurance Coverage FAQs

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Does my auto insurance cover damage caused by a hailstorm or heavy rain?

Hailstorms can occur anywhere in the United States. They are, however, more frequent in the Plains states, including Nebraska, Kansas, Oklahoma, and Texas. Living in these parts means having optional comprehensive insurance to cover damage caused by a hail storm or heavy rain is recommended. Damage from heavy rain may occur if the water gets...

Hailstorms can occur anywhere in the United States. They are...

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Does my auto insurance cover damage caused by a friend who borrowed my car and got into an accident?

When your friend borrows your car and has an accident, it’s crucial to understand what situations your auto insurance covers. But does auto insurance cover damage caused by a friend who borrowed your car and got into an accident? In this instance, “permissive use” activates. It refers to situations where you— as the vehicle owner —...

When your friend borrows your car and has an accident, it...

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Does my auto insurance cover damage caused by a flood or hurricane?

Understanding the different types of auto insurance coverage can help you navigate topics like auto insurance coverage for damage caused by a flood or hurricane. Well, auto insurance coverage for natural disaster damage is critical for vehicle owners in areas prone to these occurrences. In this article, we’ll discuss whether you’re covered against flood and hurricane...

Understanding the different types of auto insurance coverag...

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Does my auto insurance cover damage caused by a driver who is uninsured or underinsured?

Many people drive without insurance, so it is a good idea to have extra uninsured and underinsured motorists coverage for this risk. Otherwise, you do not have coverage for this damage if the other vehicle’s driver is not insured or has too small an amount of insurance. Even though driving without auto insurance is illegal...

Many people drive without insurance, so it is a good idea to...

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Does my auto insurance cover damage caused by a blown tire?

Some may wonder, does auto insurance cover a flat tire? The answer is usually no. However, the reason for a tire blowout and what happens afterward may determine your insurance coverage. Does auto insurance cover damage caused by a blown tire? Here are different tire blowout scenarios to consider. The problem might be a maintenance issue that...

Some may wonder, does auto insurance cover a flat tire? Th...

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Does my auto insurance cover damage caused by a driver who borrowed my car without permission?

Does auto insurance cover damage caused by a driver who borrows your car without permission? If someone borrows your car without permission, they are technically stealing it, even if this crime is not reported. Knowing how to drive without insurance is one thing, but knowing that it is illegal is more important. When a stolen car gets...

Does auto insurance cover damage caused by a driver who borr...

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Does my auto insurance cover damage to my own car if I am at fault in an accident?

When two parties get into a car accident, one party is often more at fault than the other. The at-fault party’s insurance is typically responsible for paying healthcare and repair costs for the other party. However, if you’re at fault in an accident, your car probably also suffered damage. Does auto insurance cover damage to...

When two parties get into a car accident, one party is often...

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Can I get auto insurance for a self-driving car?

Can you get auto insurance for a self-driving car? Insurance companies often give discounts, like an airbag auto insurance discount, for a vehicle with safety features. There may be discounts on insurance rates if a vehicle has safety features that are not legally required. Some savings may come indirectly due to a vehicle’s improved safety rating.Read...

Can you get auto insurance for a self-driving car? Insurance...

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Does my auto insurance cover a stolen car?

Many states legally require drivers and owners to carry liability insurance on their registered vehicles. This insurance is for bodily injury and property damage. Does auto insurance cover a stolen car? No state has any requirement for insurance against the theft of a vehicle. Vehicle theft is only covered by optional comprehensive insurance coverage, which...

Many states legally require drivers and owners to carry liab...

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Does my auto insurance cover damage caused by a deer or other wildlife?

Does your auto insurance cover damage caused by a deer or other wildlife? To thoroughly understand auto insurance, it is helpful to learn the different types of auto insurance coverage. It is possible to have collision coverage, as that is a requirement in many states, and not have comprehensive coverage, since that is optional. Surprisingly,...

Does your auto insurance cover damage caused by a deer or ot...

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Can I change my auto insurance coverage at any time?

You can change auto insurance at any time, and it is a good idea to conduct an auto insurance review when near the policy renewal time. In this review, you will want to make adjustments for any life changes and also take the time to shop around for the best deal. A free auto insurance...

You can change auto insurance at any time, and it is a good ...

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Does my auto insurance cover damage caused by an uninsured driver if I have collision coverage?

Auto insurance is an essential aspect of owning and driving a vehicle. It protects you from financial losses arising from accidents, collisions, or unforeseen events on the road. One of many drivers’ most common concerns is whether their auto insurance covers damages caused by an uninsured driver driving without auto insurance. This article discusses the chances...

Auto insurance is an essential aspect of owning and driving ...

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Does my auto insurance cover damage caused by my own negligence?

Negligence is a critical factor in determining auto insurance coverage. Throughout your life, you’ll find yourself in all kinds of situations. However, when it comes to auto insurance payouts, you may wonder who is at fault if you rear-end somebody who slammed on their brakes, T-boned you at a junction, or even if you reversed into...

Negligence is a critical factor in determining auto insuranc...

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Does auto insurance cover damage caused by an overheated engine?

We all know that there are many things to consider when it comes to looking after our vehicles and that doing so can help with the average cost of auto insurance. Of course, we regularly check some things like the oil levels, the windshield wiper fluid, or the tire tread. But one thing that we don’t...

We all know that there are many things to consider when it c...

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Does my auto insurance cover damage caused by a water main break?

If you discover that a major water pipe has broken in your neighborhood and your car is now filled with water, you might wonder, “Does auto insurance cover damage caused by a water main break?” Water can ruin your car’s carpets, upholstery, electrical systems, and even the engine, so getting it fixed as soon as...

If you discover that a major water pipe has broken in your n...

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Does my auto insurance cover damage caused by a wildfire?

As wildfires increase worldwide, many drivers wonder if their auto insurance covers damage caused by a wildfire. Unfortunately, collision auto insurance may not cover wildfires. Still, there are plenty of affordable full coverage auto insurance options that will cover non-collision damage, including incidents caused by wildfires. However, it’s crucial to understand your policy to ensure coverage.Read More:...

As wildfires increase worldwide, many drivers wonder if thei...

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Does my auto insurance cover damage caused by an earthquake?

If you are moving to an area of the United States prone to getting earthquakes, you might understandably wonder, “Does auto insurance cover damage caused by an earthquake?” This is a good question to ask no matter where you live. While Florida and North Dakota have the least earthquakes, small quakes can occur anywhere. Keep...

If you are moving to an area of the United States prone to g...

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Does auto insurance cover damage caused by a transmission failure?

Nothing is worse than having the transmission go on your vehicle, especially if further damage occurs. So let’s take some of the guesswork out of what sort of auto insurance will help with your transmission failure. Does auto insurance cover damage caused by a transmission failure? Getting a transmission replacement is costly and difficult, and...

Nothing is worse than having the transmission go on your veh...

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Does my auto insurance cover damage caused by a tornado or other windstorm?

If you live in an area of the United States where tornadoes are common, you might wonder, “Does auto insurance cover damage caused by a tornado or other windstorm?” As the Storm Prediction Center notes in their FAQ about tornadoes and cars, this is a valid concern: An intense tornado can fling a vehicle for...

If you live in an area of the United States where tornadoes ...

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Does auto insurance cover damage caused by a sinkhole?

Shopping for insurance that works for you is difficult, and it can feel even more challenging when considering things like damage that can occur from sinkholes. Finding the right insurance to cover your potential damages doesn’t have to be difficult. Understanding auto insurance can be challenging. Let’s look at different auto insurance coverage types and how they...

Shopping for insurance that works for you is difficult, and ...

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