9 surprising things car insurance covers

What your auto insurance policy covers may surprise you. (iStock)

It’s sometimes difficult to see the value in car insurance. It’s the kind of expense you hope you’ll never use, but when you’re in an accident or your car is vandalized, your policy can protect you from paying for costly repairs out-of-pocket.

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It’s important to understand not all auto insurance policies are the same and coverage will vary from one state to the next. But there are nine surprising events that you probably don’t know that come standard on your auto insurance policy, and a few that don’t. If you have any concerns about insurance coverage, make sure you visit the multi-lender site Credible to view all of your car insurance options.

Surprising things your car insurance covers

Most people never read the small print on their car insurance policy. If they did, they might be surprised to learn some of the unexpected events that are covered.

It's important to compare several auto insurance companies, as well as their coverages, before signing up for a policy. Credible’s car insurance marketplace can help with this process.

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Surprising events your insurance might cover

To get the best car insurance rate, you’ll want to shop around and compare quotes from multiple providers on Credible. Don’t get surprised by an event your insurance doesn’t cover.

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Surprising things your car insurance doesn’t cover

Most car insurance goes the distance to cover many surprising events. But there are some things your insurance probably doesn’t cover.

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What do most basic auto insurance policies cover?

Individual states mandate different types of auto insurance. Plus, there are several other options, like gap insurance, that many companies also provide.

Most basic auto insurance policies cover these events, no matter where you live:

• Collision
• Property damage liability
• Bodily injury liability 
• Personal injury protection
• Uninsured/Underinsured motorist

Make sure you're covered and explore pricing to find the right auto insurance plan that fits your needs on Credible.

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