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Similarly, if your neighbor knocks over a tree that falls on your car, that would also be a claim under comprehensive coverage. That would likely be a comprehensive claim, not a collision claim.
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A rock falls out and damages the front of your car. Imagine you are driving behind a gravel truck.
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The distinction between collision and comprehensive coverage is not always clear. Comprehensive auto coverage covers more kinds of damage to your vehicle, like vandalism or damage not caused by a collision. The first option for repairing your vehicle in a no-fault state is to make a claim against your own insurance policy’s collision coverage.Ĭollision coverage pays for damage caused by an accident with another car or object, like a deer or a fence.Īnother option is to use your comprehensive coverage. Option 1: Your Collision Coverage and Comprehensive Coverage There are three places to look for help with serious car damage: your insurance, the at-fault driver’s insurance, or a lawsuit against the at-fault driver. So, if you’re in a no-fault state, your insurance company will pay the medical bills and lost wages related to your bodily injury, but will only pay for car repairs if you elected to purchase coverage for that purpose.Įven though your PIP policy does not insure against damage from an automobile accident, you can still be compensated. Motor vehicle damage is not part of PIP coverage. Without a no-fault policy, the at-fault driver’s insurance company pays all injury claims. The procedure under a no-fault policy is different from a typical accident insurance claim. No-fault states require motorists to carry Personal Injury Protection (PIP) coverage.
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They do this by making both parties in an accident submit personal injury claims to their own insurance companies. No-fault car insurance policies try to keep personal injury lawsuits out of court. Your liability coverage won’t pay for damage to your car. Your no-fault policy must include property damage liability coverage to pay for vehicle damage to the other driver’s car if the crash was your fault. Your no-fault policy will not cover your vehicle damage unless you purchased extra coverage. Your no-fault policy will cover your injury claims, no matter who caused the car accident. Do No-Fault Car Insurance Policies Cover Vehicle Damage? This article will talk about those insurance laws, how they affect who pays for damage to your car, and what you can do to protect yourself. No-fault insurance laws require motorists to turn to their own insurance company for most injury claims. In 12 states (including densely populated Florida and New York), there are no-fault laws. Often you will look to the at-fault driver’s insurance, your own coverage, or a lawsuit.Īcross the 50 states, insurance and traffic laws vary. Was it damaged? Even worse, has the crash made it inoperable? Who pays for car damage if you live in a no-fault state? Hopefully, you weren’t hurt, but if you were, your health comes first.Īfter your health, your mind turns to your vehicle. If you are unlucky enough to have suffered a car crash, you have many things to worry about.