Does Auto Insurance Cover Bumper Damage?

Insurance Blog

Your car has a bumper on the front and the back, and these components are vital for your car. Your bumpers are able to take a lot of pressure and force from an accident and will help protect the rest of your car if you are in a collision of any kind, but you might be wondering if your auto insurance will cover damage you experience to your bumper. The answer is that it depends on the situation, and here are a few things to know about this.

Your insurance coverage

One of the factors that will affect whether your insurance company pays the claim or not is the type of insurance coverage you have. For example, when you cause the bumper damage yourself but have collision coverage, the accident would be covered under your collision policy. Comprehensive insurance coverage can also cover a claim that involves bumper damage, but this type of coverage only covers bumper damage in certain conditions. For example, if you damaged your bumper by driving into a pole, then your comprehensive would likely cover the costs of the repairs.

The cause of the collision

As you can see, the cause of the collision and damage plays a role in coverage too. If you are at fault for the bumper damage but do not have collision or comprehensive coverage, your insurance company would not be responsible to pay the bill for the repairs. Additionally, if another person caused the bumper damage, it is not your insurance company that will be responsible to pay the claim. Instead, it would be the at-fault driver's insurance company that is responsible for paying the claim.

Your deductible amount

The other factor you should consider in this is the amount of your deductible. If you are at-fault and if you have insurance that would cover the cost of the claim, you will need to analyze the situation before filing a claim. As you analyze it, you must view your deductible amount. If your deductible is higher than the cost of the repairs or around the same amount, it would not make sense to file a claim. If you file a claim in this instance, the company would not pay for the repairs anyhow, and you would be putting yourself at risk for an increase in your insurance costs.

These are three big factors that will affect the outcome of your accident that left you with bumper damage. To learn more about coverage types and options, you can talk to an auto insurance agency.


17 October 2019

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