One in four cars experiences non-collision damage every year, which means your car is just as vulnerable to rogue weather as it is to fender benders. We’re talking hailstorms that dent your hood and windstorms that throw branches at your new paint job. Most people think insurance covers everything. But the truth is, some of these non-crash problems slip right through the cracks. That’s why we’ll break down the mysteries of non-collision car damage, expose the common culprits, and give you the tools to keep your car safe.
Common Types of Non-Collision Car Damage
Non-collision car damage can strike from unexpected angles, leaving dents in your wallet along with your car’s body. Here are examples of the common types of damages:
1. Weather-Related Damage
- Hail: These icy projectiles leave behind dents and dings on your paintwork.
- Storms: Windstorms can hurl tree branches and loose objects, causing dents, scratches, and even shattered windows.
- Floods: Rising waters can turn your car into a submerged submarine, damaging its engine, electrical systems, and interior.
2. Malicious Mayhem
- Vandalism: Scratches etched by bored hands, smashed windows from a moment of rage, or graffiti sprayed with malicious intent leave your car looking worse for wear.
- Theft of Car Parts: Wheels, mirrors, and catalytic converters are prime targets for thieves due to their high resale value.
3. Acts of Nature
- Animal Encounters: Deer, birds, and rodents can cause significant damage, from cracked windshields to mangled bumpers.
- Landslides: They can bury your vehicle under tons of debris, leaving you with nothing but a story and an insurance claim.
- Sinkholes: The ground can open beneath you, swallowing your car whole.
4. Mechanical Mishaps
- Transmission Troubles: Gears grinding, car jerking – transmission issues can be a nightmare for your wallet.
- Engine Failure: While not technically non-collision damage, these breakdowns can leave you stranded and facing hefty repair bills.
Insurance Coverage Gaps for Non-Collision Damage
Most drivers understand the importance of collision coverage for accidents, but a crucial blind spot still exists in non-collision damage. Here’s what you need to know:
Covers damage caused by a direct physical impact with another object, such as another vehicle, a stationary object, or an animal.
Goes beyond collisions, offering protection against a broader range of events, including:
- Theft and vandalism
- Weather events
- Fire and explosions
- Animal collisions
- Riots and civil unrest
While comprehensive car insurance offers broader coverage, you need to understand what it doesn’t cover. Here are some examples.
- Wear and tear: Normal wear and tear from regular use is not covered. Examples include fading paint, rust, worn-out tires, and engine problems due to lack of maintenance.
- Intentional damage: Any damage caused by the owner, a family member, or someone acting with the owner’s permission is excluded.
- Acts of war: Damage caused by war, terrorism, or government-sanctioned acts is typically excluded.
Danger lurks beyond fender-benders, but you can protect your assets and finances beforehand when you’re aware. Don’t let non-collision damage catch you off guard – review your policy carefully, understand the exclusions, and consider additional coverage options like comprehensive insurance. Get a car insurance quote today and apply for your new coverage.