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5 Unexpected Incidents That Car Insurance Covers

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While it’s common knowledge that auto insurance can help save you money on car repairs that stem from an accident, you might be surprised that it can also covers a variety of other incidents. Here are five unusual scenarios that most comprehensive auto policies compensate you for.


If you park your car in a garage, then experience wire damage from rodents like mice, squirrels, and chipmunks, comprehensive auto insurance should cover the cost of repairs. This usually applies only to vehicles stored in a garage, not those parked on the street or outside.


Another event that comprehensive insurance will cover is car damage caused by a riot. This could be in the form of dents, scratches, or shattered windows. If you park your car in the suburbs or in the country, you might not need this extra provision. However, those who reside or work in the city will appreciate the security that this provision affords.

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Space Debris

A comprehensive type of policy covers your vehicle if it’s damaged by falling objects, including space junk like orbiting satellites, meteors, or asteroids. If you have this provision, you’ll have to pay the deductible, but your insurance company will help cover the repairs.

Pet Injuries

If your policy includes collision and comprehensive coverage, it might also include pet injury coverage. The payment limit is usually in the $500 to $1,000 per incident range. Even if your policy doesn’t automatically include this perk, you can still pursue this option with your current insurance company. Three entities known for their pet injury coverage insurance are Erie, Chubb, and Progressive.

Lost Wages 

If your auto policy includes personal injury protection (PIP), your insurance company should help get back some or all of the wages you lose if you miss work due to accident-induced injuries. This service might not be explicitly stated in your PIP policy, so ask your insurance agent if it includes wage reimbursement.

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News Source: USA Today