Does Your Car Insurance Cover For The Damage You Caused?

​Indianapolis, like many places, is no stranger to unexpected car accidents that can happen to even the most careful drivers. Whether your car is parked or in motion, a moment of inattention or someone else's negligence can lead to a stressful situation, especially when your vehicle sustains damage. That's where car insurance comes into play, offering the potential to alleviate the financial burden of repairs and replacement parts. However, understanding whether your car insurance covers the damages you've caused can be a bit more nuanced. Let's delve into the details.

Types of Auto Insurance Coverage
Your car insurance coverage plays a crucial role in determining which damages, if any, will be covered when you're involved in an accident, regardless of fault. There are three primary types of coverage to consider:
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• Liability Coverage: This form of coverage is typically mandated in most states, including Indiana. It is designed to cover damages you may cause to other people's property or vehicles. It's essential to note that liability coverage does not extend to covering damages to your vehicle, even if you are at fault for the accident.
  
  
• Collision Coverage: Collision coverage is an optional type of insurance that can prove invaluable when it comes to the cost of repairs or replacements for your own car, irrespective of whether you caused the accident or not. If you have collision coverage, your policy will cover the expenses associated with repairing or replacing your vehicle, regardless of fault.
  
  
• Comprehensive Coverage: This type of coverage goes beyond collision events and can also address damages to your car when you are responsible for the damage. In addition to covering damages caused by your actions, comprehensive coverage includes non-collision incidents such as vandalism, theft, or natural disasters like hurricanes or floods. For instance, if your vehicle is vandalized during a civil disturbance, comprehensive coverage can help ensure that the damages are adequately covered.

In Conclusion
The extent to which your car insurance covers damages you cause, whether to your own vehicle or someone else's, largely hinges on the type of coverage outlined in your policy. While liability coverage is typically required by law and addresses damages to other vehicles or property, it does not extend to your own car. To secure coverage for your own vehicle, you may opt for collision and comprehensive coverages, which can help offset repair and replacement costs, even when you are at fault.

To ensure that you have the right level of coverage that suits your needs, it's essential to review your car insurance policy regularly. If you find that your current coverage doesn't align with your requirements or preferences, consider making adjustments to your policy to provide the protection you need in Indianapolis, IN.

​At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​