7 Crucial Aspects to Understand: Will Car Insurance Cover Repairs?

If you have ever wondered, “Will car insurance cover repairs?”, the short answer is yes. However, it very much depends on the details. Plus, digging into the nuances can yield vast insights. In this blog, we will unpack the mysteries of when, why, and how car insurance covers repairs. Stay tuned.

Understanding the Basics: Car Insurance and Repairs

Car insurance policies often come in three flavors – Collision Coverage, Comprehensive Coverage, and Liability Insurance.

  • Collision Coverage generally covers repairs if your car is damaged in an accident.
  • Comprehensive Coverage takes care of damage caused by events other than a collision, like fire, theft, vandalism, or natural disasters.
  • Liability Insurance covers damage to others’ property or associated medical costs, but won’t contribute to your vehicle’s repair costs.

So, will your car insurance cover repairs? It’s contingent on:

  1. The Type of Damage incurred. For instance, collision coverage won’t pay if your vehicle was damaged due to theft.
  2. The specific terms laid out in your Insurance Policy.
  3. The Deductible Amounts. Even if you have the right policy, you’ll likely have a deductible to cover before your insurance starts paying for repairs.

Situational Coverage: Will Car Insurance Cover Repairs in These Scenarios?

Car Accidents

Under collision coverage, repair costs get covered regardless of whether you’re at fault. However, your insurance will first deduct the agreed-upon amount before releasing funds.

Vandalism & Theft

Everyone dreads a scenario where they discover their vehicle robbed or vandalized. Thankfully, Comprehensive Coverage typically applies in these cases, covering repair costs, provided you meet your deductible.

Natural Disasters

Whether it’s a falling tree during a windstorm or flood damage, Comprehensive insurance also covers car repairs after a natural disaster.

Factors Affecting Car Insurance Repair Coverage

Policy Deductibles

While many insurance plans cover car repairs, almost all have deductibles – an amount you need to pay before the coverage kicks in. Higher deductibles can lead to lower policy premiums but increased out-of-pocket expenses during a claim.

Fault in Accidents

If you’re found at fault in an accident, you might have to rely on your collision coverage to settle repair costs after meeting your deductible. Meanwhile, if you’re not at fault, the other party’s liability insurance should cover your car’s repair expenses.

Common Misconceptions About Car Insurance and Repair Coverage

Regular Wear and Tear

A misconception among car owners is that insurance would cover repairs due to regular wear and tear. Unfortunately, deep within your policy’s fine print, you’ll find that car insurance doesn’t cater to the natural aging of your vehicle.

Choosing Repair Shops

While some insurers might prefer you use their approved list of repair shops, freedom of choice is generally acceptable. However, if that shop’s rates are higher, your insurer may only pay up to a certain limit, leaving you to cover the rest.

Maximizing Your Car Insurance Repair Coverage

Knowing the nuances of your insurance coverage might inspire you to review it closely, a step we strongly encourage. When renewing or altering coverage, remember your typical use case and potential risks. Maintain comprehensive coverage to stay protected from theft, vandalism, and natural disasters, and arm yourself with collision coverage if accident-prone.


So, “Will car insurance cover repairs?” Yes, but the extent will vastly depend on the incident and your insurance coverage specifics. Be prudent and review your current policy, and ensure it aligns with your actual needs and usage patterns.

Now that you’re familiar with when and how your car insurance policy might cover repairs, you can make informed decisions and navigate the insurance world with more confidence. Remember, knowledge is your best defense.

Frequently Asked Questions

Will Car Insurance Cover Repairs?

Yes, car insurance will cover repairs, but the specifics depend on the type of coverage you have and the nature of the damages. Collision coverage will pay for repairs to your car if it’s damaged in an accident, while comprehensive coverage will cover repairs for damages caused by events like fire, theft, vandalism, or natural disasters. However, standard liability insurance will not cover repairs to your own car.

Will Car Insurance Cover Repairs for a Hit and Run?

If you have uninsured motorist property damage coverage or collision coverage, your car insurance will typically cover repairs after a hit and run. If not, you’ll likely have to pay out-of-pocket for any car repairs.

How Does the Car Insurance Claim Process for Repairs Work?

After an accident, you should first contact your insurance company to report the incident and begin the claim process. Your insurer will then assess the damage, either by having you take your vehicle to a specific repair shop or sending an adjuster. After evaluation, they will determine the cost of repairs and, once approved, they will pay directly to the repair shop.

Will Car Insurance Cover Repairs to Windshield Damage?

Yes, comprehensive insurance coverage typically includes windshield repair or replacement. However, the actual amount your policy will cover depends on your particular policy details, including your deductible amount.

Will Car Insurance Cover Repairs for Vandalism?

If you have comprehensive coverage as part of your car insurance policy, it typically will cover repairs for vandalism. Without comprehensive coverage, costs related to vandalism repair will likely be your responsibility.

How Will Using Car Insurance for Repairs Affect My Premiums?

Making a claim for car repairs can potentially increase your insurance premiums, depending on your insurance provider’s policies and your individual circumstances. Factors such as your driving record, the nature of the claim, and whether you were at fault can all influence if, and by how much, your premiums may increase.

Will Car Insurance Cover Repairs Due to Wear and Tear?

Typically, car insurance does not cover repairs due to regular wear and tear or mechanical failures. Car insurance is generally designed to cover sudden, unexpected incidents rather than regular maintenance or deterioration over time.

What Kind of Repairs Will Car Insurance Not Cover?

Car insurance typically does not cover damage resulting from regular wear and tear, unauthorized modifications, or mechanical failures. Damages arising from intentional acts, or use of the vehicle in illegal activities are also generally not covered.

Will Car Insurance Cover Repairs Done at Any Repair Shop?

Most insurance companies have a list of approved repair shops and would prefer that you use them. However, you typically have the right to choose the repair shop you want. Keep in mind, if you choose a more expensive shop, you might have to pay the difference in cost if your insurer only agrees to pay a certain amount.

Will Car Insurance Cover Repairs After a Natural Disaster?

If you have comprehensive coverage as part of your car insurance policy, it will generally cover repairs to your vehicle after a natural disaster. This includes damage from events like hurricanes, floods, wildfires, hailstorms, and tornadoes.

licensed car insurance riding in his car
About the author

Driven by a passion for all things automotive, the team at Carinsuran.com is your pit crew for car insurance insights. With years of experience navigating the twists and turns of the insurance industry, we're here to steer you toward the coverage that fits your life in the driver's seat. Whether you're a seasoned road warrior or just buckling up, our blog is fueled with tips, guides, and expert advice to keep you on the right track. Shift into gear with Carinsuran.com and let's hit the road to better car insurance together!

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