Car accidents happen, and the unfortunate reality is that they can cause serious body damage. In some cases, this damage may be covered under your car insurance policy. But what if the accident was your fault? In this blog post, we will explore the ins and outs of car insurance and body damage. We will also discuss whether or not you are likely to be held liable for any bodily damages caused in an accident. So read on to find out what you need to know about car insurance and body damage.
Will Car Insurance Cover Body Damage?
According to the website Insure.com, most car insurance policies will not cover damage done to a vehicle as a result of someone else hitting it with their own vehicle. This means that if you are in an accident and your car is damaged, you will likely have to pay for the repairs yourself. In some cases, your insurance company may be able to help cover the cost of damages if they are deemed to be within policy limits.
How Does Car Insurance Work?
Car insurance typically covers damage to the car itself, but what about if you injure someone else in the crash? Body damage coverage can help cover medical expenses and lost wages related to the crash.
To find out if your policy has body damage coverage, contact your insurer. If it doesn’t, you’ll need to add it. The cost of this coverage varies by insurer, but typically it’s a minor addition to your monthly premiums.
Like all insurance policies, however, make sure that you read the fine print to understand what is and is not covered. For example, some policies only cover physical injuries and not damages to property or other people.
Who Is Covered by Car Insurance?
If you are in a car accident, your insurance company may cover damage to your vehicle. However, they may not cover damage to your body. If you are injured in a car accident, you may be able to sue the other driver or the auto insurance company.
What Are the Penalties for Not Having Car Insurance?
If you don’t have car insurance, you may face some serious consequences. Let’s take a look at the penalties for not having car insurance in the United States.
The first thing to know is that not having car insurance can result in a lot of fines and/or jail time. The most common penalties are a fine of $200-$1,000 and/or up to 6 months in jail. There are also more severe penalties if the driver has a prior record of driving without car insurance or if the vehicle they’re driving isn’t covered by car insurance.
Another consequence of not having car insurance is that your vehicle could be damaged while it’s being repaired or towed away because you don’t have coverage. In these cases, the repair or tow company may charge you extra fees and your insurer might refuse to cover the damage.
If you get caught without car insurance and fail to show up for court, you may face even harsher penalties. For example, if you’re found guilty of uninsured motor vehicle causing injury or death, you could be sentenced to up to 5 years in prison and/or fined up to $250,000. So make sure you have adequate car insurance coverage before getting behind the wheel!
Conclusion
As a car owner, it is important to be aware of the various types of coverage your vehicle may have. One such type of coverage is body damage. Though not always included in standard comprehensive and collision insurance, body damage can potentially help pay for damages to your car that are not covered by regular car insurance. Before getting hit by another driver, it is important to check with your insurance agent or broker about what specific types of coverage your vehicle may have.
