Does Car Insurance Cover Cosmetic Damage

The cost of car insurance can add up especially if you have an accident or your car needs repairs. coverage protect you and your vehicle when the unexpected happens. If you’re wondering whether your insurance will cover cosmetic damage here’s what you need to know.

Most insurance policies will cover cosmetic damage if it’s the result of an accident. For example if your car is hit by another vehicle the insurance company will likely cover the cost to repair the damaged paint or bodywork. If the damage is extensive the company may declare your car a total loss and pay you the market value of the vehicle.

However if the cosmetic damage is not the result of an accident it’s unlikely that your insurance will cover the repairs. That’s because cosmetic damage is considered to be a result of normal wear and tear and it’s not covered by most policies.

There are a few exceptions however. For instance some policies may cover cosmetic damage caused by hail or fire. And if your car is leased the leasing company may require that you have insurance that covers cosmetic damage.

If you’re not sure whether your policy covers cosmetic damage the best thing to do is check with your insurer. They can explain the coverage in your policy and let you know what to expect if you need to file a claim.

Table of Contents

Does car insurance cover cosmetic damage?

No car insurance does not cover cosmetic damage.

What is considered to be cosmetic damage?

Cosmetic damage is any damage to the car that does not affect the car’s performance or safety.

Will my insurance rates go up if I make a claim for cosmetic damage?

No your insurance rates will not go up if you make a claim for cosmetic damage.

What if the cosmetic damage is caused by an accident?

If the cosmetic damage is caused by an accident your insurance will cover the repairs.

What if the cosmetic damage is caused by something other than an accident?

If the cosmetic damage is caused by something other than an accident your insurance will not cover the repairs.

Can I file a claim for cosmetic damage if I have comprehensive coverage?

No you cannot file a claim for cosmetic damage if you have comprehensive coverage.

Can I file a claim for cosmetic damage if I have collision coverage?

No you cannot file a claim for cosmetic damage if you have collision coverage.

Will my collision coverage cover the repairs if the cosmetic damage is caused by an accident?

Yes your collision coverage will cover the repairs if the cosmetic damage is caused by an accident.

Will my collision coverage cover the repairs if the cosmetic damage is caused by something other than an accident?

No your collision coverage will not cover the repairs if the cosmetic damage is caused by something other than an accident.

What is the difference between comprehensive coverage and collision coverage?

Comprehensive coverage covers damage to your car that is not caused by an accident while collision coverage covers damage to your car that is caused by an accident.

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I just got a new car.

Does my car insurance cover cosmetic damage?

No car insurance does not cover cosmetic damage.

I have a lease on my car.

Does my car insurance cover cosmetic damage?

No car insurance does not cover cosmetic damage.

I am financing my car.

Does my car insurance cover cosmetic damage?

No car insurance does not cover cosmetic damage.

I just bought a used car.

Does my car insurance cover cosmetic damage?

No car insurance does not cover cosmetic damage.

I plan on selling my car.

Does my car insurance cover cosmetic damage?

No car insurance does not cover cosmetic damage.

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