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Written by Laura Berry
Former Insurance Agent Laura Berry

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jul 19, 2021

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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 a liability and collision insurance policy.

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 or 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. Comprehensive coverage insurance products would also cover the damage if you were hit by a deer or another large animal.

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.

Do You Need Special Coverages for Your Car?

If 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. Property insurance can replace the broken window. If you have the right coverage, things that may be damaged by the elements or stolen can be replaced too. You decide all of this before you ever make a claim by choosing the type of coverage you want and insurance companies.

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

If you know exactly what you want, we can get to work. If you’re not sure, we can talk about different types of insurance and see what makes sense for your insurance needs. We can help you set the right liability limits and decide on additional coverage. We can also quote both personal and commercial auto insurance.

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Do You Need Business Coverage with Your Auto Insurance?

When you’re just covering your personal car, you might sign up for personal injury protection or other medical coverage. If you’re buying a commercial auto policy, you have a different type of insurance to worry about. Many businesses maintain higher liability amounts to protect the business against lawsuits. They also cover work-related injuries in and out of the vehicle. Our insurance agents can quote all these professional services with the appropriate coverage limit along with your auto policy.

Whether you’re looking for liability insurance only, a more comprehensive plan, or if you just want some insurance advice, give us a call and see what we can do for you. We can get you quotes from different companies. Then you can check out customer reviews, prices, list of perils, potential claim payment, and compare your options before you make a choice that makes sense for your needs.

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