When people think about car insurance, they usually consider the basics: accident damage, theft, or third-party liability. But what many drivers don’t realize is that their policies often cover much more than just the essentials. Whether it’s a cracked windshield or a stolen laptop from your backseat, your car insurance might have your back in ways you never expected. Let’s take a look at 10 surprising things your car insurance might cover—depending on your policy and provider.
1. Windshield and Glass Damage
It’s one of the most common claims—and often one of the most frustrating. A small rock on the highway can easily chip or crack your windshield. What many drivers don’t realize is that comprehensive car insurance usually covers the repair or replacement of damaged glass. In some cases, it might even be repaired for free without a deductible if the damage is minimal.
2. Stolen Personal Items
If someone breaks into your car and steals personal belongings—like your phone, laptop, or even your gym bag—your auto insurance may help. While the car insurance policy typically won’t cover personal property directly, your homeowners or renters insurance often kicks in to reimburse you for the stolen items. If the break-in damaged your vehicle (like a broken window), that part would likely be covered by your auto policy.
3. Pet Injuries
Yes, even your furry friend might be covered! If your pet is injured in a car accident while riding with you, some auto insurance policies will pay for vet expenses. Coverage usually falls under the “collision” portion of your policy and applies whether you’re at fault or not. It’s not universal, though, so check your policy or ask your agent.
4. Vandalism and Civil Disturbances
Did your car get keyed? Or were you caught in the wrong place during a protest or riot? Comprehensive car insurance typically covers vandalism and damage resulting from civil disturbances, riots, or malicious acts. This includes spray paint, broken mirrors, slashed tires, or shattered windows.
5. Roadside Assistance and Towing
Some car insurance policies offer more than just accident coverage—they come with extra perks. Roadside assistance, for instance, can be a lifesaver if you’re stranded with a dead battery, flat tire, or empty gas tank. If it’s not included, it’s often available as a cheap add-on to your existing policy.
6. Rental Car Reimbursement
After an accident, being without a car can add major stress to your life. Many policies offer rental reimbursement coverage, which pays for a rental car while your vehicle is being repaired. It’s not automatic with every policy, so it’s worth checking if it’s part of your plan—especially if you rely heavily on your car.
7. Lost Wages
If you’re injured in an accident and can’t work temporarily, some auto insurance policies provide coverage for lost wages. This is typically included under personal injury protection (PIP) or medical payments coverage (MedPay), depending on your state and policy. It’s designed to help bridge the financial gap while you recover.
8. Legal Fees
If you’re involved in a lawsuit stemming from a car accident—whether you’re being sued or you need legal support—your car insurance may help cover legal defense costs. Liability coverage can include attorney fees, court costs, and settlements up to your coverage limits.
9. Natural Disasters
Floods, wildfires, hailstorms, and even falling trees can wreak havoc on your vehicle. The good news? If you have comprehensive coverage, damage caused by “acts of God” is often covered. This protection is especially important if you live in an area prone to extreme weather.
10. Hit-and-Run Accidents
What happens if someone damages your car and drives off without leaving a note? If you have uninsured motorist property damage (UMPD) or collision coverage, you might be covered even if the other driver is never found. In some states, this coverage is required, while in others, it’s optional.
Final Thoughts
Car insurance isn’t just about fixing fenders and paying medical bills. It can offer a wide range of protections that many policyholders don’t even know they have. The key is knowing what your specific policy includes—and what it doesn’t. Take a few minutes to review your coverage or speak to your insurance provider. You might discover you’re more protected than you thought.
And remember: if there’s something important to you—like pet protection, roadside help, or coverage for expensive electronics—you may be able to add it to your policy for just a few extra dollars a month.
In the end, understanding your coverage not only helps you get the most value from your insurance—it also gives you peace of mind every time you hit the road.