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Just as homeowners insurance can cover unexpected expenses, auto insurance can have hidden benefits as well.
From nasty rodent work to falling branch damage, many amazing car insurance claims can be paid out.
Of course, policy details vary by insurance company, and you need comprehensive coverage to get most of these benefits. However, let’s take a look at some surprising losses that car insurance can cover.
1. Volcanic eruption
Hawaii’s Kilauea volcano is one that keeps residents wary of possible property damage. When it erupted in 2018, lava flowed into residential areas and destroyed everything in its path. Fortunately, those who lost their cars to the 2018 lava flow were probably reimbursed by their car insurance if they had comprehensive coverage.
In fact, comprehensive coverage covers damage from a variety of natural disasters, from wildfires and earthquakes to storms.
2. Riot
If your car is in the wrong place at the wrong time and is vandalized by a rioter, the insurance company can compensate and pay for the damage. One.
3. Vandalism
Of course, it doesn’t have to be a mob that damaged your vehicle in order for you to be covered.
Vandalism for any reason may result in an insurance claim. This could include a slashed tire, a locked door, or spray-painted graffiti on the side. But remember, you need comprehensive coverage to make a claim and deductibles apply.
4. Animal damage
Collisions between cars and deer are a big danger in some parts of the country and hitting a deer can seriously damage your car. Fortunately, as long as you have comprehensive coverage, your insurance will usually pay for the repair.
Having a comprehensive policy also helps with other damages caused by animals, such as rodents making homes under the hood and chewing on wires.
5. Missile
I hope we never have to worry about military missiles hitting our cars, but you never know – life can get pretty crazy. are covered by our comprehensive coverage, as are the more common fall hazards.
6. Damage caused by potholes
Poorly maintained roads are a national problem, but if your car is damaged by hitting a pothole, collision insurance will cover it.
Collision policies also pay bills if your car rolls or hits a tree.
7. Damage caused by uninsured drivers
Most states have accident insurance laws. This means that the insurance company of the person who caused the damage will pay for the repair or related medical costs.
However, the perpetrator may be uninsured or inadequately insured. If this is the case, your insurance will pay for it as long as you have uninsured car insurance.
8. Injured pets
If Fido is in your car and is injured in a car accident, your collision insurance can pay for his veterinary bills. However, there may be limits on how much your insurance company will cover on a veterinary bill for pet injuries.
9. Loss of wages
Most people know that the Personal Injury Protection (PIP) portion of auto insurance covers medical expenses. However, if you were injured in a car accident and had to take time off from work, you may not realize that this coverage also covers your lost wages.
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