Car insurance typically covers the following:

1. Liability coverage: This covers damages and injuries that you may cause to other people or their property while driving. It is usually mandatory in most states.
2. Collision coverage: This covers damage to your own vehicle resulting from a collision with another car or object.
3. Comprehensive coverage: This covers damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters.
4. Personal injury protection (PIP): This covers medical expenses, lost wages, and other related expenses resulting from injuries sustained in a car accident.
5. Uninsured/underinsured motorist coverage: This covers damages and injuries you sustain in an accident caused by a driver who is either uninsured or does not have sufficient insurance to cover the damages.

The specific coverage and limits of your car insurance policy may vary depending on your state and the type of policy you have.

How Does Car Insurance Coverage Work?

Car insurance coverage works by providing financial protection in case of an accident or other covered event that results in damage to your vehicle, other property, or injury to yourself or others. Here’s how it typically works:

1. You purchase car insurance: You choose an insurance provider and policy that fits your needs and budget, and pay for the premium either monthly or annually.
2. You get into an accident: If you get into an accident or other covered event (e.g. theft, vandalism), you file a claim with your insurance provider.
3. Your claim is evaluated: The insurance provider evaluates your claim to determine if it’s covered by your policy. They may send an adjuster to assess the damage to your vehicle and determine the cost of repairs.
4. Your claim is settled: If your claim is covered, your insurance provider will pay for the cost of repairs or replacement, up to the limits of your policy. You may have to pay a deductible before your insurance kicks in.
5. You continue paying your premium: After your claim is settled, you continue paying your premium to maintain your coverage.

How Much Does Car Insurance Cover In An Accident?

In Canada, the amount of car insurance coverage that applies in an accident depends on the type and limits of coverage you have in your policy. Here’s a breakdown of some common types of coverage and how they apply:

1. Third-party liability coverage: This coverage is mandatory in Canada and covers damages and injuries you cause to other people or their property while driving. The minimum required coverage varies by province, but is typically at least $200,000.
2. Accident benefits coverage: This coverage is mandatory in Canada and covers medical expenses, lost income, and other related expenses resulting from injuries sustained in a car accident, regardless of who is at fault.
3. Collision coverage: This coverage is optional and covers damage to your own vehicle resulting from a collision with another car or object. The amount of coverage depends on the limits of your policy, which you choose when you purchase your insurance.
4. Comprehensive coverage: This coverage is optional and covers damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters. The amount of coverage depends on the limits of your policy.
5. Uninsured/underinsured motorist coverage: This coverage is optional and covers damages and injuries you sustain in an accident caused by a driver who is either uninsured or does not have sufficient insurance to cover the damages.

Does Car Insurance Cover The Driver Or The Car?

In Canada, car insurance policies generally cover both the driver and the car. The policy covers the driver for any liability they may have if they cause an accident resulting in damage to other vehicles or injury to other people. The policy also covers the car for any damage sustained in an accident or other covered event, such as theft, vandalism, or natural disasters.

In addition, car insurance policies in Canada typically include accident benefits coverage, which covers medical expenses, lost income, and other related expenses resulting from injuries sustained in a car accident, regardless of who is at fault. This coverage applies to the driver and any passengers in the vehicle at the time of the accident.

What Does Car Insurance Cover And Don’t Cover In Canada?

Car insurance in Canada covers a range of events and situations, but there are also exclusions and limitations to coverage. Here’s a breakdown of what car insurance typically covers and doesn’t cover in Canada:

What car insurance covers:

1. Third-party liability coverage: This coverage is mandatory in Canada and covers damages and injuries you cause to other people or their property while driving.
2. Accident benefits coverage: This coverage is mandatory in Canada and covers medical expenses, lost income, and other related expenses resulting from injuries sustained in a car accident, regardless of who is at fault.
3. Collision coverage: This coverage is optional and covers damage to your own vehicle resulting from a collision with another car or object.
4. Comprehensive coverage: This coverage is optional and covers damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters.
5. Uninsured/underinsured motorist coverage: This coverage is optional and covers damages and injuries you sustain in an accident caused by a driver who is either uninsured or does not have sufficient insurance to cover the damages.

What car insurance doesn’t cover:

1. Intentional acts: Car insurance does not cover intentional acts, such as deliberately causing an accident.
2. Racing: Car insurance does not cover damage or injuries sustained while participating in racing or other high-risk activities.
3. Commercial use: Car insurance typically does not cover vehicles used for commercial purposes, such as delivery or transportation.
4. Mechanical failure: Car insurance does not cover damage resulting from mechanical failure or normal wear and tear.

Can You Claim For Theft Or Stolen Car Under Car Insurance?

Yes, you can claim for theft or stolen car under car insurance. Comprehensive coverage, which is an optional type of car insurance coverage, typically covers theft or stolen car. Comprehensive coverage provides protection for damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters.

If your car is stolen, you should file a police report immediately and then contact your insurance provider to file a claim. Your insurance provider will investigate the theft and determine the value of your car at the time of the theft. You may also need to provide proof of ownership and any relevant documentation, such as your car title.

The amount of compensation you receive for a stolen car will depend on the limits of your policy and the value of your car. Your insurance provider will typically pay the actual cash value of the car at the time of the theft, minus any deductible you have.

Will Your Car Insurance Cover Other Drivers?

In Canada, car insurance policies typically cover other drivers who are operating your vehicle with your permission. Here’s how it works:

1. Third-party liability coverage: If another driver causes an accident while driving your vehicle with your permission, your car insurance policy’s third-party liability coverage will provide coverage for damages and injuries to other people or their property.
2. Collision coverage: If another driver causes an accident while driving your vehicle with your permission, your car insurance policy’s collision coverage will cover the cost of repairs or replacement of your vehicle, up to the limits of your policy.

Will Your Car Insurance Cover Vandalism?

In Canada, car insurance policies typically cover vandalism, provided you have purchased comprehensive coverage. Comprehensive coverage is an optional type of car insurance coverage that covers damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters.

If your car is vandalized, you should report the incident to the police and then contact your insurance provider to file a claim. Your insurance provider will investigate the vandalism and determine the cost of repairs to your vehicle.

The amount of compensation you receive for vandalism will depend on the limits of your policy and the extent of the damage. Your insurance provider will typically pay for the cost of repairs or replacement of your vehicle, up to the limits of your policy, minus any deductible you have.

Does Car Insurance Cover Hail Damage?

In Canada, car insurance policies typically cover hail damage, provided you have purchased comprehensive coverage. Comprehensive coverage is an optional type of car insurance coverage that covers damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters, including hail.

If your car is damaged by hail, you should report the incident to your insurance provider and then take your vehicle to a reputable repair shop for an estimate. Your insurance provider will evaluate the damage and determine the cost of repairs to your vehicle.

The amount of compensation you receive for hail damage will depend on the limits of your policy and the extent of the damage. Your insurance provider will typically pay for the cost of repairs or replacement of your vehicle, up to the limits of your policy, minus any deductible you have.

Does Car Insurance Cover Repairs?

In Canada, car insurance policies may cover repairs to your vehicle, depending on the type of coverage you have. Here are some examples:

1. Collision coverage: If you have collision coverage, it will cover repairs to your vehicle resulting from a collision with another car or object, regardless of who is at fault.
2. Comprehensive coverage: If you have comprehensive coverage, it will cover repairs to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters.
3. Optional endorsements: Some insurance providers offer optional endorsements that cover repairs to specific parts of your vehicle, such as tires or windshield.

Does Car Insurance Cover Flood Damage?

In Canada, car insurance policies may cover flood damage, provided you have purchased comprehensive coverage. Comprehensive coverage is an optional type of car insurance coverage that covers damages to your vehicle resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters, including flooding.

If your car is damaged by floodwater, you should report the incident to your insurance provider and then take your vehicle to a reputable repair shop for an estimate. Your insurance provider will evaluate the damage and determine the cost of repairs to your vehicle.

The amount of compensation you receive for flood damage will depend on the limits of your policy and the extent of the damage. Your insurance provider will typically pay for the cost of repairs or replacement of your vehicle, up to the limits of your policy, minus any deductible you have.

Does Car Insurance Cover Rentals?

Car insurance policies in Canada may provide coverage for rental cars, depending on the type of coverage you have. Here’s how it works:

1. Liability coverage: Your car insurance policy’s liability coverage may extend to a rental car you’re driving, provided you have permission from the rental car company to drive it. This coverage will cover damages and injuries you cause to other people or their property while driving the rental car.
2. Collision coverage: Your car insurance policy’s collision coverage may extend to a rental car you’re driving, provided you have permission from the rental car company to drive it. This coverage will cover damage to the rental car resulting from a collision with another car or object.
3. Comprehensive coverage: Your car insurance policy’s comprehensive coverage may extend to a rental car you’re driving, provided you have permission from the rental car company to drive it. This coverage will cover damage to the rental car resulting from non-collision incidents such as theft, fire, vandalism, or natural disasters.

Does Car Insurance Cover Engine Failure?

In Canada, car insurance policies generally do not cover engine failure, as it is typically considered to be the result of normal wear and tear or mechanical breakdown, which are not covered by car insurance. Car insurance is designed to provide coverage for damages resulting from specific events, such as collisions, theft, fire, vandalism, or natural disasters, as well as liability for damages or injuries you cause to others while driving.

If your vehicle experiences engine failure, you may need to seek repairs or replacement through a manufacturer’s warranty or extended warranty, if applicable. In some cases, the cause of the engine failure may be covered by a recall or other type of warranty program.

Does Car Insurance Cover Towing?

In Canada, car insurance policies may provide coverage for towing, depending on the type of coverage you have. Here are some examples:

1. Roadside assistance coverage: Some car insurance policies offer optional roadside assistance coverage that provides towing services in the event of a breakdown or other covered event.
2. Collision coverage: If your car is involved in a collision and cannot be driven, your car insurance policy’s collision coverage may cover the cost of towing your vehicle to a repair shop.
3. Comprehensive coverage: If your car is damaged by a non-collision incident such as fire or flood and cannot be driven, your car insurance policy’s comprehensive coverage may cover the cost of towing your vehicle to a repair shop.

Does Car Insurance Cover Mechanical Failure?

In Canada, car insurance policies generally do not cover mechanical failure, as it is typically considered to be the result of normal wear and tear or mechanical breakdown, which are not covered by car insurance. Car insurance is designed to provide coverage for damages resulting from specific events, such as collisions, theft, fire, vandalism, or natural disasters, as well as liability for damages or injuries you cause to others while driving.

If your vehicle experiences a mechanical failure, you may need to seek repairs or replacement through a manufacturer’s warranty or extended warranty, if applicable. In some cases, the cause of the mechanical failure may be covered by a recall or other type of warranty program.

Does Car Insurance Cover Broken Windows?

In Canada, car insurance policies may cover broken windows, depending on the type of coverage you have. Here are some examples:

1. Comprehensive coverage: If you have comprehensive coverage, it will typically cover the cost of repairing or replacing broken windows resulting from non-collision incidents such as vandalism or theft.
2. Collision coverage: If you have collision coverage, it may cover the cost of repairing or replacing broken windows resulting from a collision with another car or object.

Does Car Insurance Cover Death?

Car insurance can provide coverage for death in certain situations. Specifically, there are two types of coverage that may apply:

1. Liability coverage: If you are responsible for causing an accident that results in someone’s death, your liability coverage may provide compensation to the victim’s family or estate for their losses, which can include funeral expenses, medical bills, lost income, and pain and suffering.
2. Personal injury protection (PIP) or medical payments coverage: If you or your passengers are injured or killed in an accident, PIP or medical payments coverage may provide compensation for medical expenses, funeral expenses, and in some cases, lost income.

Does Car Insurance Cover Windshield Replacement?

Yes, car insurance can cover windshield replacement, but it depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents, it will typically cover the cost of windshield replacement. However, it’s important to note that there may be a deductible that you have to pay first before the insurance coverage kicks in.

In some cases, insurers may also offer separate or additional coverage for windshield repair or replacement, which may have a lower deductible or no deductible at all.

Does Car Insurance Cover Weather-Related Accidents?

Whether car insurance covers weather-related accidents depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as weather-related incidents, it may cover weather-related accidents. Comprehensive coverage typically covers events such as hail, flood, and wind damage. However, it’s important to note that there may be a deductible that you have to pay first before the insurance coverage kicks in.

If you have only liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover weather-related damage to your vehicle.

Does Car Insurance Cover Electrical Fires?

Whether car insurance covers electrical fires depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as fire, theft, or weather-related incidents, it may cover electrical fires. Comprehensive coverage typically covers events such as fires caused by faulty wiring or other electrical issues. However, it’s important to note that there may be a deductible that you have to pay first before the insurance coverage kicks in.

If you have only liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover electrical fires or other types of damage to your vehicle.

Does Car Insurance Cover Engine Fire?

Whether car insurance covers engine fires depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as fire, theft, or weather-related incidents, it may cover engine fires. Comprehensive coverage typically covers events such as fires caused by mechanical failures or malfunctions, including engine fires. However, it’s important to note that there may be a deductible that you have to pay first before the insurance coverage kicks in.

If you have only liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover engine fires or other types of damage to your vehicle.

Does Car Insurance Cover Rat or Rodent Damage?

Whether car insurance covers rat or rodent damage depends on the specific policy and coverage you have.

In general, standard car insurance policies do not typically cover damage caused by rats or rodents. This is because such damage is usually considered to be the result of normal wear and tear or lack of maintenance, rather than a sudden and unexpected event.

However, some insurance providers may offer specific coverage for rodent damage, either as an add-on to a comprehensive coverage policy or as a separate type of coverage. It’s important to check with your insurance provider to see if they offer such coverage and to understand what is and is not covered under that policy.

Does Car Insurance Cover Theft Of Personal Items Or Jewelry In Car?

In Canada, car insurance policies typically do not cover theft of personal items or jewelry that are stolen from a vehicle. This is because personal belongings are not considered to be part of the vehicle itself and are not covered under standard car insurance policies.

However, some insurance providers may offer optional coverage for personal belongings that are stolen from a vehicle, such as through a rider or endorsement to a policy. It’s important to review your policy or contact your insurance provider to understand exactly what types of coverage you have and what is and is not covered, including whether personal items or jewelry stolen from your car are covered and under what circumstances.

It’s also worth noting that if you have a home insurance policy, it may provide coverage for theft of personal items that are stolen from your car, even if they are not covered under your car insurance policy. Again, it’s important to review your policy or contact your insurance provider to understand what types of coverage you have and what is and is not covered.

Does Car Insurance Cover Your Medical Or Hospital Bills?

In Canada, car insurance policies typically include coverage for medical or hospital bills resulting from an accident, but the specific coverage may depend on the type of policy and the province or territory in which you reside.

In most provinces, every driver is required to have a minimum amount of insurance coverage, which usually includes coverage for medical or hospital bills resulting from an accident. This coverage is typically called “accident benefits” or “personal injury protection” (PIP) and it provides compensation for medical expenses, rehabilitation costs, and lost income resulting from an accident, regardless of who was at fault.

In addition to the mandatory accident benefits coverage, drivers may also choose to purchase additional coverage, such as extended health benefits or additional medical expense coverage. These optional coverages can provide additional protection for medical and hospital bills resulting from an accident.

Does Car Insurance Cover U-Haul?

Car insurance may or may not cover U-Haul or other rental trucks, depending on the specific policy and coverage you have.

If you have liability coverage on your personal vehicle, it may provide coverage for damages or injuries you cause while driving a U-Haul or other rental truck. However, it’s important to note that liability coverage only covers damages or injuries you cause to others and their property, not damage to the rental truck itself.

If you want coverage for damage to the rental truck itself, you may need to purchase additional coverage from the rental company or through your own insurance provider. Many rental companies offer supplemental insurance coverage, sometimes called “collision damage waiver” (CDW) or “loss damage waiver” (LDW), which can provide coverage for damage to the rental truck. Alternatively, you may be able to purchase a separate rental truck insurance policy from your own insurance provider.

Does Car Insurance Cover Injuries?

Yes, car insurance can cover injuries resulting from an accident, depending on the specific policy and coverage you have.

If you have liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it may provide compensation for injuries suffered by other parties involved in the accident, such as the driver and passengers in another vehicle or pedestrians.

If you have personal injury protection (PIP) or medical payments coverage, which is optional in some states, it can help pay for medical expenses, lost wages, and other costs related to injuries sustained by you or your passengers in an accident, regardless of who was at fault.

Does Car Insurance Cover Ice Damage?

Whether car insurance covers ice damage depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as weather-related incidents, it may cover ice damage. Comprehensive coverage typically covers events such as hail, freezing rain, and ice storms that can cause damage to your vehicle. However, it’s important to note that there may be a deductible that you have to pay first before the insurance coverage kicks in.

If you have only liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover ice damage or other types of damage to your vehicle.

Does Car Insurance Cover Accidental Damage?

Whether car insurance covers accidental damage depends on the specific policy and coverage you have.

If you have liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover accidental damage to your own vehicle.

If you have collision coverage, which is an optional type of coverage that helps pay for damage to your own vehicle resulting from an accident, including accidents that you cause, it can provide coverage for accidental damage.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents, it can also provide coverage for accidental damage.

Does Car Insurance Cover Scratches And Dents?

Whether car insurance covers scratches and dents depends on the specific policy and coverage you have.

If you have liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover scratches and dents to your own vehicle.

If you have collision coverage, which is an optional type of coverage that helps pay for damage to your own vehicle resulting from an accident, including accidents that you cause, it can provide coverage for scratches and dents.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents, it can also provide coverage for scratches and dents.

Does Car Insurance Cover Slashed Flat Tires?

Whether car insurance covers slashed flat tires depends on the specific policy and coverage you have.

If you have liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover slashed flat tires to your own vehicle.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents, it may cover slashed flat tires. Comprehensive coverage typically covers vandalism-related incidents, which can include tire slashing. However, it’s important to note that there may be a deductible that you have to pay first before the insurance coverage kicks in.

Does Car Insurance Cover Damage To Property?

Yes, car insurance in Canada typically covers damage to property caused by an accident, depending on the specific policy and coverage you have.

If you have liability coverage, which is required in most provinces and territories, it can help cover the cost of damages you may cause to other people’s property in an accident, such as damage to another vehicle, fence, or building.

If you have collision coverage, which is optional in most provinces and territories, it can help cover the cost of damage to your own vehicle caused by an accident, regardless of who was at fault.

If you have comprehensive coverage, which is also optional in most provinces and territories, it can help cover the cost of damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents, as well as damage to other people’s property caused by events such as hail or falling trees.

Does Car Insurance Cover Drunk Driving Accidents?

In Canada, car insurance policies generally provide coverage for accidents that result from drunk driving, but the coverage may depend on the specific policy and the circumstances of the accident.

If you are the driver who caused the accident while under the influence of alcohol, your insurance policy may still provide coverage for damages to other people’s property and injuries to other people, but it may not provide coverage for damages to your own vehicle or injuries you may have suffered.

In some cases, your insurance company may also deny your claim or cancel your policy if you are found to have been driving while impaired at the time of the accident.

Does Car Insurance Cover the Garage Door?

In Canada, car insurance policies typically do not cover damage to garage doors caused by a vehicle. This is because the garage door is not considered part of the vehicle and is not covered under standard car insurance policies.

However, if the garage door is damaged by an insured peril, such as a fire or a windstorm, it may be covered under your homeowner’s insurance policy, if you have one. It’s important to review your homeowner’s insurance policy or contact your insurance provider to understand exactly what types of coverage you have and what is and is not covered, including the coverage for damage to garage doors caused by an insured peril.

Additionally, if you cause damage to someone else’s property, such as their garage door, while driving your vehicle, your liability coverage under your car insurance policy may provide coverage for the damages you caused. It’s important to review your policy or contact your insurance provider to understand exactly what types of coverage you have and what is and is not covered, including the coverage for damages you caused to someone else’s property while driving your vehicle.

Does Car Insurance Cover Lost Key Replacement?

n Canada, car insurance policies typically do not cover the cost of replacing lost keys, although some insurance providers may offer optional coverage for key replacement.

If you lose your car keys, you may need to pay for a replacement out of pocket. However, some car manufacturers offer warranty or insurance coverage for lost keys as part of their new car warranty or as an add-on to that warranty. It’s worth checking with the manufacturer to see if such coverage is available.

Additionally, some insurance providers may offer optional coverage for lost key replacement, either as an add-on to a policy or as a separate type of coverage. It’s important to review your policy or contact your insurance provider to understand exactly what types of coverage you have and what is and is not covered, including the coverage for lost key replacement.

Does Car Insurance Cover Battery Replacement?

In Canada, car insurance policies do not typically cover the cost of replacing a car battery, as this is considered a normal maintenance expense that is the responsibility of the vehicle owner.

However, if the battery is damaged due to an accident, such as a collision or a fire, it may be covered under the collision or comprehensive coverage of your car insurance policy, depending on the specific policy and coverage you have.

Does Car Insurance Cover Break-Ins?

Whether car insurance covers break-ins depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as theft or vandalism, it can provide coverage for break-ins. Comprehensive coverage typically covers damage to your vehicle caused by a break-in, such as damage to windows or locks, as well as theft of personal belongings that were inside the vehicle at the time of the break-in.

If you have only liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover break-ins or other types of damage to your vehicle.

Does Car Insurance Cover Negligence?

Car insurance may or may not cover negligence, depending on the specific policy and the circumstances of the negligence.

If you are found to have been negligent in causing an accident, your liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, can provide coverage for damages to other people’s property and injuries to other people.

However, if your negligence results in damage to your own vehicle or injuries to yourself, your liability coverage will not provide coverage for those expenses. In that case, you may need to have collision coverage or personal injury protection (PIP) coverage to help cover those expenses.

Does Car Insurance Cover Natural Disasters?

Whether car insurance covers natural disasters depends on the specific policy and coverage you have.

If you have comprehensive coverage, which is an optional type of coverage that helps pay for damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents, it can provide coverage for damage to your vehicle caused by natural disasters such as hurricanes, tornadoes, floods, and wildfires.

If you have only liability coverage, which is required in most states and helps cover the cost of damages and injuries you may cause to others in an accident, it will not cover damage to your own vehicle caused by natural disasters.

Does Car Insurance Cover Maintenance?

Car insurance typically does not cover routine maintenance and repairs, as these are considered normal expenses that are the responsibility of the vehicle owner. This includes expenses such as oil changes, tire rotations, brake replacements, and other maintenance-related expenses.

However, if your vehicle is damaged in an accident, your insurance policy may cover the cost of repairs needed to restore your vehicle to its pre-accident condition. This coverage may be provided under collision coverage, which is an optional type of coverage that helps pay for damage to your own vehicle resulting from an accident, or under comprehensive coverage, which helps pay for damage to your vehicle caused by events such as theft, vandalism, or weather-related incidents.