What repairs will my car insurance cover?

January 4, 2018 · Posted in FAQ 
car insurance
jeremydriscoll2001 asked:

I never had car insurance or a car untill just recently so I dont know what good my insurance is, its just liability, the cheapest their is. How do I know if my car insurance will cover this repair?
btw I wasent in any accident, this damage was already part of the car when I bought it.
someone did a hit and run on my car. but I only have liability. will it cover it? what should I do?

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8 Responses to “What repairs will my car insurance cover?”

  1. Robert D on March 24th, 2009 7:12 am

    Liability just covers the other person in a accident. It will not cover any repair on your vehicle. You would need full coverage for that and would still have to pay a deductable of usually 500 or 1000 dollars.

  2. denfasr on March 24th, 2009 8:41 pm

    If all you have is liability insurance than the only thing it will cover is the other vehicle, person or property damage. Your vehicle is not covered. You insurance is issued on you as a driver and not your vehicle. I you want your vehicle covered you will need to purchase comprehensive insurance. Now if some one hits you and it is declared that the other individual is at fault than their insurance will repair your vehicle or give you what the blue book (Nada) said it is worth. If you paid $5,000.00 for the car but the blue book indicate the vehicle is only worth $100.00 than you will receive $100.00 and that it. Also; if you have not purchased uninsured or under insured insurance rider than if some one hits you who does not have insurance you get nothing but a junk vehicle that you will have to pay a tow truck to haul away. Better talk with your insurance agent and make sure you get something that will cover you and the vehicle if your vehicle is worth anything.

  3. Autoinspector on March 26th, 2009 10:44 am

    You are confused – there are two types of insurance: collision and mechanical aka Extended Warranty. The first one (your case) – by definition – is related to accidents only, and as somebody else already explained will not cover YOUR damages because it’s a “one-way” liability only. It will cover damages CAUSED by you to others but not damges to your vehicle if the accident is your fault. If the other party caused damage to your vehicle, their insurance will pay for your damages.

  4. blb on March 28th, 2009 10:12 pm

    Liability isn’t going to cover any damages to your vehicle. You would need full coverage (comprehensive and collision) to pay for damages to your vehicle. Any existing damage to your vehicle before you bought it is NEVER covered. You can’t buy coverage for something that is already damaged.

  5. Fred C on March 30th, 2009 9:47 am

    Liability insurance is for damage you do to others, not for your property. Even if you had full collision and comprehensive, it would not cover any damage to a vehicle that existed before the policy was put in place. Insurance is not a repair and maintenance plan.

  6. Nate W on March 31st, 2009 11:54 pm

    Nope, liability is only for damage you cause someone else and their vehicle. Bascially, it helps protect you from being sued.
    Most insurance that I know of only insures risks that are sudden and accidental.
    Maintanence is not a part of insurance, that would be a warranty.

  7. fisherwoman on April 3rd, 2009 2:31 pm

    You car is insured only for liability, that means, if you get in a wreck, your insurance will cover the other guys injuries, but nothing on you or your car. In order to have insurance that covers your car for repairs stemming from an auto accident, you will need to carry comp/collision, or full coverage as some people say. This is more costly than liability, normally if your car is ten yrs old, you just need liability, the premium for the higher coverage wouldn’t be worth it.

  8. bundysmom on April 4th, 2009 9:14 am

    No coverage period. LIability is for damage you cause to someone else.

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