6 things you didn’t know your car insurance covers | finder.com

6 things you didn’t know car insurance covers

A new car? A hotel room? Yup, car insurance can cover you for those.

A comprehensive insurance policy can help protect you from the dangers of the road, and even the other dangers of the world that can damage your car when it’s parked or sitting in your garage. Compare a few hidden benefits you could get from your car insurance.

1. A new car

new car
Did you know that many car insurance policies will offer you a brand new car if yours is totaled written off? This is a special inclusion only found on comprehensive policies and offered if you bought your car brand new and it’s totaled within a certain amount of time, usually within the first two years.

The only other way to get a new car out of an insurance policy is to insure your car at an agreed value equal to what a new car would cost. With new car replacement coverage, you can insure your car for much cheaper while still being covered for the cost of a new one.

2. Child safety seats

car seat
You might already know that comprehensive car insurance usually covers some of your car’s contents, but if you’re a parent, you’ll be happy to find out that it also covers child car seats.

Your car insurance does limit the amount you get back on car seats per individual claim, so if you have multiple kids with pricey car seats, you might need to ask your insurer if you can increase that limit for a small fee.

3. A hotel

hotel
If you’re in an accident far from home, you’ll be glad to have a comprehensive policy that will put you up for the night. Trip interruption coverage kicks in if you have an accident outside a certain distance from your home and it’s unsafe to drive your car.

It will pay for you and your passengers to stay in a reasonably priced place, up to a certain dollar amount or number of days outlined in your policy. Just make sure to keep your receipts to get reimbursement or else your claim could be denied.

4. Vandalism

vandalism
If you have comprehensive car insurance, your policy can cover damage to your car even when there’s no culprit around to pin it on. Some hooligan keyed your car in the stadium parking lot? Covered. A few wannabe gangsters tag your SUV? Covered.

You’ll also be covered for a host of other situations where getting someone else to pay up can be difficult, like hit-and-runs, being hit by an uninsured or broke driver and even getting dinged up by a shopping cart while you’re picking up groceries.

5. Hail damage and storms

storm
If your car is damaged in a storm, it might be difficult to convince mother nature to fork out the cash for repairs. That’s OK, because comprehensive car insurance has your back come rain or shine.

You’re covered against all types of storms and natural disasters, including floods, fires and high-speed winds. But you usually won’t be covered within the first day or two of buying your policy, so by the time you hear about an impending storm, it’ll be too late to upgrade your insurance.

6. Hitting an animal on the road

cat

Hitting a deer can cause serious damage to your car. A comprehensive insurance policy can help cover the cost and get you back on the road.

If you hit a bird and shatter your windshield, car insurance can help you with that, too. Whether or not you’ll have to pay a deductible on your windshield depends on which state you live in. Some insurers offer full glass coverage as an add-on to your policy, which means you won’t have to pay a deductible for any windshield damage.

Bottom line

Paying a little more for your car insurance up front can save you a lot of money in the long run when you don’t have to pay out of pocket for unexpected mishaps. Protect your car by shopping around, pulling up a few quotes and finding a comprehensive policy that works for you.

Compare comprehensive car insurance policies

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

Compare up to 4 providers

Your questions about car insurance coverage answered

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