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Auto Insurance: Frequently asked questions

Which type of coverage pays for damages to my vehicle?

If youvolved in an accident that is your fault and your vehicle suffers damage, youed collision coverage to pay for the repairs to your car. If you lack collision coverage, you will have to pay for those repairs out of pocket. Since collision coverage is optional, some drivers drop it when their cars reach a certain age because it saves them money on premiums and the potential cost of repair is more than the value of the car. In any case, your insurer will only pay for damages you cause to your car if you have collision coverage.

Comprehensive coverage pays for damage to your car that isn't due to car accidents. That includes theft, fire, vandalism, natural disasters and collisions with animals (such as hitting a deer). Again, this is an optional coverage and if you don't have it, your insurer will not pay for these damages.

If someone else crashes into you, their liability insurance must pay for repairs to your vehicle. This is called a "third-party" claim because youking a claim on their insurance.

If you live in a "no-fault" state, you always make a claim on your own policy no matter who is at fault. Here's more on dealing with another driver's insurer when a crash is not your fault.

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