Does car insurance cover accidental damage?

Auto insurance covers accidental damage with a comprehensive insurance policy. However, car insurance companies won't cover accidental damage through liability or collision car insurance. On average, comprehensive car insurance rates are about $154/yr, but comprehensive quotes vary for each company. Shop around and compare car insurance companies that cover accidental damage to get the best rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 2, 2021

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The Highlights

  • Comprehensive coverage covers accidental damage
  • The average cost of comprehensive coverage is $154/yr but varies for each company
  • Liability and collision won’t cover accidental damage related to fire, theft, natural disasters, or vandalism

Did a branch damage the roof of your car? Maybe your vehicle was damaged by hail in a storm. Accidental damage can occur at any moment.

Does auto insurance cover accidental damage? With the right car insurance policy, yes. Read through this short guide to learn how car insurance covers accidental damage and how to compare car insurance.

Ready to find affordable auto insurance that covers accidental damage? Enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Does car insurance cover accidental damage?

The short answer is yes. Accidental damage is covered by comprehensive auto insurance. However, liability and collision insurance don’t provide coverage for accidental damage.

Let’s look at a list of things that qualify as accidental damage:

  • Theft
  • Vandalism
  • Fire
  • Natural disasters (such as a storm, mudslide, or wildfire)
  • Falling objects
  • Damage that’s done by animals
  • Damage from a civil disturbance (such as a riot)

The types of accidental coverage will vary based on the company you choose and the policy you have. To make sure you have the kind of coverage you need, shop around and compare policies from multiple insurance companies before you buy car insurance.

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What does car insurance not cover?

Your car insurance company won’t cover personal items in your vehicle, and it won’t pay for medical bills if your injuries were caused by an accident.

What does auto insurance not cover? If you don’t have comprehensive coverage, your accidental damage may not be covered. But even if you have a comprehensive policy in place, it still won’t cover specific situations.

Let’s look at a few scenarios where comprehensive insurance won’t provide coverage.

  • Damage to your car from a collision
  • Damage to another person’s car from a collision
  • Medical expenses

Don’t worry — you can get the right coverage today. Read on to learn more about the coverage options that are recommended.

What is recommended for car insurance coverage?

Most states have a minimum car insurance requirement, and this is usually liability insurance. Your liability car insurance is made up of bodily injury liability and property damage liability.

Liability coverage only provides compensation to other drivers when you’re at fault for an accident.

Some states have uninsured/underinsured motorist coverage, personal injury protection, and medical payments attached to liability insurance.

If you’re still making payments on your vehicle, you’re required to get full coverage. Full coverage auto insurance is collision and comprehensive coverage added to your liability policy.

Liability insurance is generally required, but comprehensive coverage is optional. It’s also the only auto insurance coverage that pays for accidental damage.

How much are comprehensive car insurance rates?

Comprehensive auto insurance can be affordable. However, there are a few factors that determine affordability, including:

  • Vehicle year and model
  • Crime statistics in your area
  • Frequency of claims

According to the National Association of Insurance Commissioners (NAIC), comprehensive coverage costs $154 per year on average. But what does the annual cost look like for each state? Let’s take a look.

Average Annual Comprehensive Car Insurance Rates
StatesAverage Annual Comprehensive Rates
Alabama$163
Alaska$141
Arizona$195
Arkansas$206
California$98
Colorado$208
Connecticut$133
Delaware$127
District of Columbia$230
Florida$128
Georgia$165
Hawaii$104
Idaho$125
Illinois$132
Indiana$126
Iowa$197
Kansas$254
Kentucky$149
Louisiana$226
Maine$105
Maryland$158
Massachusetts$140
Michigan$155
Minnesota$192
Mississippi$220
Missouri$194
Montana$247
Nebraska$240
Nevada$116
New Hampshire$112
New Jersey$129
New Mexico$185
New York$174
North Carolina$130
North Dakota$241
Ohio$125
Oklahoma$241
Oregon$98
Pennsylvania$154
Rhode Island$135
South Carolina$190
South Dakota$284
Tennessee$154
Texas$224
Utah$116
Vermont$136
Virginia$142
Washington$111
West Virginia$210
Wisconsin$144
Wyoming$272
Countrywide$154
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Comprehensive car insurance quotes vary for each company and each person. Shop around and compare multiple auto insurance companies to get the best rates.

How can comprehensive insurance deductibles lower car insurance rates?

Car insurance deductibles are payments you must make to your car insurance company before the claim check is processed. Higher deductibles come with lower car insurance rates.

Deductibles usually range from $500 to $1,500. However, your deductible options vary for each company.

Deductibles are usually assessed at the same time as estimating damage cost. If you have deductible savings with your auto insurance company, you won’t have to worry about paying out of pocket.

Why should you assess the damage before filing a comprehensive car insurance claim?

Assessing the damage involves determining how the accident occurred. This will prevent your car insurance company from denying or misclassifying your claim.

For example, if an accident happened while driving, your car insurance company wouldn’t cover it under comprehensive insurance. Instead, you’ll need to file a collision insurance claim.

The difference between collision and comprehensive is that collision insurance provides property damage coverage for your vehicle after an accident regardless of who is at fault, but comprehensive insurance covers your vehicle for incidents that don’t involve a collision.

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Car Insurance Covers Accidental Damage: What’s the bottom line?

Your auto insurance company will only cover accidental damage under comprehensive coverage. Liability and collision won’t cover accidental damage.

Be honest with your car insurance company about how the damage occurred so you can get your claim processed faster.

Now that you know how car insurance covers accidental damage, use our free comparison tool below to compare rates from multiple companies in your area.

Are you looking for free insurance quotes?

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