Vehicle damage

Vehicle damage refers to physical harm or structural impairment sustained by an insured automobile, as recognized under property insurance policies. Insurers classify vehicle damage into types such as collision, which results from direct impact with another car or object, and comprehensive, which covers incidents like theft, fire, vandalism, hail, or falling objects (per Insurance Information Institute data).

Collision coverage typically pays for repair costs if a policyholder’s car hits another vehicle or object; for example, if you hit a pole and sustain $3,000 in damages. Comprehensive coverage compensates for non-collision losses–such as windshield replacement after hail causes $1,200 in glass breakage, as relayed by YourInsurance.info (Your Insurance Info).

Insurers assess repair costs using appraisals that factor parts prices and labor hours listed on the repair estimate forms. Actual cash value determines payout limits–if your car’s market value is $8,000 before an accident and repairs cost $9,500, the insurer will declare a total loss.

Deductibles–such as $500 for collision or comprehensive–must be paid out-of-pocket before coverage applies. Common exclusions include intentional damage; for instance, purposely damaging your own car voids coverage according to standard policy language.

Accident reports and photographic evidence are required documentation during vehicle damage claims investigations. Claims adjusters often collaborate with approved repair shops to verify damages and ensure proper restoration per manufacturer specifications.

Rental reimbursement is sometimes included if vehicle damage renders the insured car undrivable–for example, policies may cover up to $30/day for 30 days according to NAIC guidelines. Premium increases may result after at-fault claims involving significant vehicle damage as tracked by insurers’ loss histories.