4 Surprising Things That May Be Covered By Your Auto Insurance Policy

You are probably aware of the common items covered in car insurance—like the cost of replacing or repairing parts after an auto accident or medical bills. But what you may not know is that your auto insurance policy covers so much more. 

Of course, all car insurance policies are different, and coverage may vary from state to state. You may also need comprehensive coverage to enjoy most of these benefits. Check your policy to know for certain, but here are some surprising things that may be covered in your policy. 

Animal Damage

According to Consumer Reports, there has been an increase in car damage cases involving rodents chewing internal wiring as more automakers use plant-based biodegradable materials in production. Additionally, mice and rats can rip car seats, blow fuses, and ruin other interior surfaces. Luckily, all this damage can be covered by your insurer as long as you have a comprehensive policy. 

Car-deer collisions are also pretty common in most parts of the country. Hitting a deer can leave your car with shattered headlights, broken bumpers, shattered windshields, and other forms of damage. Again, you'll be glad you have comprehensive coverage when this happens. 

Car Rental Reimbursement

If you have taken your car to the repair shop following an accident, your insurance company may help cover some of the costs if you have rental reimbursement coverage. The coverage limit will depend on your policy's limit. 

While your car is getting repaired, you'll probably need to move around. Your insurer will reimburse any transportation costs you incur, such as public transportation or rental car fees. 

Lost Wages

You probably already know that the personal injury protection (PIP) plan in your auto insurance policy will cover your medical costs if you're injured in an accident. But did you know that this coverage also covers you for lost wages if you have to take some time off because of the injuries?

Moreover, if you suffer permanent disabilities from a crash so that you can no longer work, you may be entitled to lost wages for a lifetime. This will help you get on with life amid challenging circumstances. 

Travel Expenses after an Accident

Being involved in a car accident while far away from home is stressful. You may be wondering where you'll stay for the night and how you'll get home. 

Thankfully, if your car is undrivable and your home is more than 50 miles away, collision and comprehensive insurance policies may cover your hotel stay, meals, and even transportation back home. Of course, there is a limit to how much you can claim, and you can easily find that information in your auto policy documents. In most states, it's several hundred dollars. 

If you have more questions about what is covered by auto insurance policies, contact an insurance agent near you.