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Ask the Car Insurance Expert

I insured my car 2 days ago, and this morning I reversed into a pole and damaged the back of my car. Does my comprehensive insurance cover my car seeing as it was 2 days ago?

Your auto insurance covers accidents as soon as it’s in effect. However, in this case you’d need collision coverage to pay for damage. Comprehensive coverage doesn’t apply here; it’s for things like theft and animal collisions.

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If you have collision coverage and make a claim, your collision deductible will apply.

Last updated: Aug. 29, 2013 Redesign Survey