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Will auto insurance cover pre-existing damage?

Unlike health insurance, car insurance policies do not cover damage to your vehicle that predates the inception of the policy. In order for damages to be covered by an auto insurance provider, the damage needs to have occurred after the policy start date.

If the preexisting damage to your vehicle is extensive, you could be disqualified from carrying physical coverage on your vehicle, i.e., comprehensive and collision coverages.

Will insurance companies insure a damaged vehicle?

This depends on your state, the extent of damage, and your insurance provider. Insurance companies do not like to insure vehicles with considerable preexisting damage, because it could make the company liable for any new or future damage. Some states require each vehicle to pass a physical inspection prior to the addition of collision and comprehensive coverages. In New York, Massachusetts, New Jersey, Rhode Island, or Florida, insuring a vehicle with physical damage coverage requires confirmation of the vehicle's structural integrity.

mirror collision

CARCO states

New York, Massachusetts, New Jersey, Rhode Island, and Florida require drivers to submit CARCO inspections in order to apply collision and comprehensive insurance coverages. This entails bringing the vehicle to a local inspection site, where they will take official photos that can be sent to a prospective insurer. 

This is intended to verify the vehicle matches the description submitted to the insurance company. The insurer will look for:

  • Mileage
  • Physical condition
  • Features/options
  • Accessories
  • General vehicle appearance

The overall goal of the CARCO inspection requirement is to reduce the number of fraudulent claims payouts and the average cost of comprehensive and collision coverage for all drivers.

Most car insurance companies allow a period of several weeks between the date when the insurance policy is purchased and the completion of a CARCO inspection. Every auto insurance company handles this differently, so it's important to check in with your insurer. 

The insurance company will use the findings of the CARCO inspection to rate any future claims payouts and to determine acceptable levels of insurance coverage. Filing a claim for damage present during the CARCO inspection will result in a denied claim.

denied paperwork

Non-CARCO states

In a state that does not require a CARCO photo inspection, a few scratches and bumps will not prohibit a driver from acquiring insurance coverage. However, insurance providers can still discover damage to a vehicle by referencing the vehicle identification number (VIN). The VIN describes the entire history of a vehicle, including any past insurance claims in which the car has been involved. 

Partial vs. full claim payouts for preexisting damage

Note: since every auto insurance claim is handled differently and depends on variable circumstances, there is no one-size-fits-all answer. As a rule of thumb, preexisting damage of more than a few scratches may impact your ability to receive a full claim payout for damage to your vehicle. 

When you file a claim, your insurance company will send a claims adjuster to inspect the vehicle to determine the compensation owed. If the insurance claims adjusters feel the damage could have been avoided without the pre-existing damage, you could face a partial claims payout.

Even if you’re deemed not-at-fault in a collision, preexisting damage can hinder your compensation after a claim. An insurance company’s goal is to pay as little as possible in a claim. To avoid unnecessary losses, it's best to be upfront with your insurance company regarding your any preexisting damage.


To avoid unnecessary losses, be upfront with your insurance company regarding your any preexisting damage.

How to insure a car with prior damage

By this, we mean if your vehicle was previously damaged and repaired. If your vehicle was damaged and then deemed safe to drive, your ability to insure the vehicle should not be impacted. Significant structural damage, however, can impact your ability to sell the vehicle. Even if it was repaired, you will have to disclose this information to the seller. 

If your vehicle was totaled and you repaired it, you should expect insurance implications. Most insurance companies see a totaled vehicle as a major liability. Some companies will simply not insure it or only provide you with collision or comprehensive coverage.


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Am I covered while I'm moving to a new state?

I'm so sorry to hear about your accident during such a transitional and inconvenient time! I would contact your insurance company in Oregon and talk to the claims department to see if this will be covered. Many companies provide a grace period for you to obtain other insurance while you are moving to another state.
Jul 22, 2022 Atlanta, GA

Will my auto insurance cover damage to a fifth-wheel camper, or should I use my RV insurance?

I'm so sorry to hear about your accident!  The best thing to do would be to contact your RV insurance claims department to see how they want to handle the claim. How this claim pays out will be dependent on the details of the accident.
Jul 21, 2022 Leakesville, MS

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.