Does auto insurance cover accidental damage?

Asking “does auto insurance cover accidental damage” can be vital to finding the best auto insurance company for you. With comprehensive coverage, you may be able to get that shopping cart dent out of your automobile without going in-pocket. Average comprehensive auto insurance coverage rates are about $148 per month. Read on to find out what is covered in auto insurance policies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Feb 26, 2021

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Accidental Auto Damage Insurance Summary
Accidental Auto Damage FactsSource
Auto insurance protects policyholders from paying out of pocket for repairs and medical expensesusa.gov
Factors that affect premiums: gender, age, marital status, credit history, locationusa.gov
Liability coverage: protects you if you are at fault for an accidentusa.gov
Uninsured motorist coverage: Pays for your damages if you get into an accident with someone who does not have coverage.usa.gov
A declarations page is the summary of your policy.usa.gov
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No matter how many precautions you take, accidents will happen. So, does auto insurance cover accidental damage? Will auto insurance cover pre-existing damage? Before we answer those questions, let’s learn a bit more about auto insurance.

We here at 4autoinsurancequote.com understand that finding the right insurer can be a bit of a hassle. This is why we will go through everything step-by-step, including having car insurance coverage explained. In the meanwhile, please feel free to type your ZIP code into our helpful tool above to find accidental damage auto insurance rates in your area.

Accidental Damage and Your Coverage

So, what is accidental damage on car insurance? And what is considered accidental damage in general? This is damage that was caused to your automobile without intent.

What are some examples of accidental damage? Imagine you’re leaving the grocery store. You approach your vehicle and find that a shopping cart has collided with it. This is accidental damage. Or, say that a loose piece of gravel has flown up and dented your vehicle. This is also accidental damage.

You may be wondering, “How much does auto insurance cover in an accident? Does car insurance cover repairs?” It depends on the situation and what level of coverage you have. Although there are many different types of auto insurance, comprehensive and collision coverage are the two forms of insurance that will likely help you in these scenarios.

“What’s the difference between comprehensive and collision coverage?” Comprehensive coverage, according to the Insurance Information Instutute, is for situations outside of a collision — usually weather-related incidents such as sleet damage — whereas collision coverage helps you in the case of an auto accident. If you want your insurance to cover accidental damage, you want to purchase comprehensive coverage.

If you’ve ever asked, “What is accidental damage insurance?”, comprehensive coverage is the closest such thing.

What is covered in auto insurance?

Comprehensive may cover a lot of damage outside your control, but it won’t cover everything. “What does auto insurance not cover?” If you have owned your vehicle long enough for it to accrue some wear and tear, insurance will not cover it. And you can enter your ZIP code in the box below to get a free insurance quote in a matter of minutes.

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Should you still be asking, “What does comprehensive insurance cover?”, here is a video to further explain it.

The following table shows the average rates for comprehensive coverage throughout the United States.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive
Auto Insurance Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
Kansas$230.65
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If you’re still wondering, “What does collision insurance cover?”, here is a helpful video to explain it further.

The following table shows the average rates for collision coverage throughout the United States

Average Annual U.S. Collision Auto Insurance Rates by State
StatesAverage Annual Collision
Auto Insurance Rates
South Dakota$200.10
Idaho$209.00
Iowa$207.10
Wisconsin$209.93
Oregon$212.47
Minnesota$214.02
Nebraska$223.50
North Dakota$227.44
Indiana$237.19
Maine$249.00
Kansas$251.46
South Carolina$247.62
Montana$254.90
Washington$250.13
Utah$254.41
Kentucky$255.33
Ohio$252.21
Missouri$259.65
New Mexico$267.48
Arizona$259.31
Wyoming$270.48
Virginia$264.70
Florida$251.30
Colorado$263.36
North Carolina$264.58
Vermont$278.38
Nevada$293.78
New Hampshire$281.70
Tennessee$290.39
Illinois$284.92
Hawaii$297.75
Alabama$299.10
Oklahoma$298.21
Delaware$296.60
Arkansas$304.87
Countrywide$299.73
Mississippi$302.96
Pennsylvania$307.31
West Virginia$319.10
Georgia$320.45
Alaska$360.18
Maryland$331.72
Connecticut$348.70
Texas$340.51
New Jersey$365.23
New York$358.45
Massachusetts$358.68
California$364.56
Rhode Island$377.06
Michigan$383.21
Louisiana$391.03
District of Columbia$449.27
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If you’re interested in all forms of mandatory coverage, the following table includes their average combined annual rates.

U.S. Average Annual Auto Insurance Rates
Insurance TypeAverage Annual
Auto Insurance Rates
Comprehensive Insurance$138.87
Collision Insurance$299.73
Liability Insurance$516.39
Full Coverage$954.99
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Another mandatory coverage is liability insurance. This comes into play if you’re asking, “What does auto insurance cover in an accident?”

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There are two forms of liability insurance, both of which protect you from damage claims filed against you in the wake of an accident. First off is bodily injury liability, which pays for the medical bills of the injured party. Here is a video that goes into further detail.

There is also property damage liability, which helps pay for the damage to another person’s property. The following video explains the differences between the two coverages.

Before you buy accidental damage auto insurance coverage, it pays to shop around.

Now that you know more about these forms of insurance, find what is right for you by typing in your ZIP code below. We’ll help you find affordable accidental damage auto insurance quotes from providers in your area.

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Frequently Asked Questions: Does Auto Insurance Cover Accidental Damage?

#1 – Does comprehensive insurance cover black ice?

Yes, comprehensive coverage helps in all forms of weather-related situations.

#2 – What kind of coverage do I need to carry for accidental damage?

Comprehensive insurance would be your best bet for accidental damage.

#3 – Do I need full coverage and what is full coverage?

Not necessarily, but it is well worth the extra money.

But what does full coverage auto insurance consist of? It combines collision, comprehensive, and liability coverage. Therefore, it pays for both your car and the other driver’s in the event that you cause an accident.

#4 – What is there other than collision coverage?

There is liability insurance, comprehensive insurance, MedPay, Personal Injury Protection and Underinsured/Uninsured Motorist protection.

#5 – How can I make sure accidental damage is covered on my policy?

Ask your licensed agent, they will be able to tell you with certainty.

#6 – What will I need when filing an accidental damage claim and will an accidental damage claim make my insurance go up??

When claiming on auto insurance for accidental damage, tell the auto insurance company where on your automobile the damage is. Fortunately, your rates will most likely not go up.

#7 – Will I have to pay a deductible on accidental damage claim?

No, considering you are most likely not at fault for the accidental damage.

#8 – Is it worth having accidental damage coverage?

It depends on if you live in a congested area where such an incident is likely to occur.

#9 – How to determine if filing a claim is worth it.

It depends on how significant the financial loss is. If there is a physical injury, yes, it is absolutely worth filing a claim.

#10 – What is comprehensive coverage and do I need comprehensive coverage for accidental damage?d

Yes, comprehensive coverage is your best bet because it covers incidents that are beyond your control such as accidental damage.

#11 – Does auto insurance cover mechanical problems?

Auto insurance doesn’t cover routine mechanical issues but, with the proper coverage, it may cover mechanical issues that are the result of an accident.

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