Car Insurance Costs
Coverage & Claims

How will my rate be impacted by opening a comprehensive claim? How is fault decided?

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

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Coverage & Claims

Will comprehensive insurance cover damages caused by road debris?

Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.

Coverage & Claims

Will insurance cover a leak in my car's sunroof?

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim.

Coverage & Claims

Someone attempted to steal my neighbor's vehicle and wrecked my van, how do I handle insurance?

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report.

Coverage & Claims

Is accidental flooding covered under comprehensive coverage?

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.

Coverage & Claims

Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?

While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.

Coverage & Claims

Should I file a claim for raccoon damage?

If you hit a raccoon, that would be considered a comprehensive claim. Your deductible would apply.

Coverage & Claims

Is this a collision or comprehensive claim?

Since you caused damage to property, you will need to report the damages to your insurance company as soon as possible. This claim would be paid out through the property damage liability coverage.

Coverage & Claims

Can I bundle 3 comprehensive claims altogether?

The short answer is no, you cannot submit one claim for all three incidents. They will need to be filed separately.

Coverage & Claims

Are my seats covered from damage caused by a rat?

When there is an animal involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car.

Coverage & Claims

If I hit a tire in the road, is that considered a comprehensive claim?

This accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your own vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim.
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