Does Car Insurance Cover Interior Damage?

If the interior of your vehicle is damaged as a result of a covered accident, then your liability or collision coverage will typically help pay for necessary repairs. Comprehensive coverage may also pay for your car's damaged interior, but it works much differently than liability and collision coverage.

Sometimes referred to as “comp” or “other than collision” coverage, comprehensive coverage helps pay for damages that occur to the interior (and exterior) of your vehicle when it is not in operation and the damage is not the result of an accident. From damaged upholstery to a shattered windshield, comprehensive coverage can reimburse you for damages that result from falling objects, vandalism, theft, or fire.

Some drivers want the protection comprehensive coverage offers, but they’re concerned about its cost. How much you’ll pay for comprehensive insurance varies, depending on your deductible (the amount you pay before your insurance kicks in). The higher deductible you choose, the less your premium will cost, but you will have to spend more out of pocket before you get reimbursed by your provider. A lower deductible means your premium will be higher, but you’ll pay less out of pocket when it’s time to file a claim. I

f you’re concerned about protecting particularly pricey items inside your car, such as a high-end stereo system, navigation system, or custom decorations, you’ll want to ask your insurance provider if they offer “special endorsements.” Some providers offer coverage for items like these, up to a certain limit.

Whether it’s a sunroof, windshield, side window, or rear window, having a damaged window is a common car problem.

If you want to learn more about protecting the interior of your vehicle with the proper coverage, give one of our knowledgeable insurance agents a call. Our team of professionals will offer recommendations that ensure your auto policy meets your needs and your budget.

This site is a U.S. Consumer site. You can learn more about our site and privacy policy here.