Automobile insurance covers a variety of types of damage that depend on the type of coverage you have purchased. These are four types of damage commonly covered by auto insurance.

1. Damage From Something Other Than a Collision

Comprehensive coverage provides compensation for damage to your vehicle caused by a variety of things that are not considered collisions. Examples of this type of damage include vandalism, theft, hail damage repair Denver CO, falling objects and flooding. Comprehensive coverage also usually provides coverage for cracked or broken windshields caused by impacts from rocks or other objects. Collisions with animals, such as deer, are also often covered under comprehensive coverage.

2. Damage from Collisions

Except for animals, damage that is caused by a collision with another object, person or vehicle is usually covered under collision coverage. This coverage applies whether or not the owner of the car is at fault for the damage. If another driver strikes your vehicle and is found to be responsible for your damages, you can still use your collision coverage, instead of collecting from the other party. Your insurance company will usually pursue the other party for recovery of the damages it paid out. However, you are not entitled to collect the same damages from both your insurance and the other party.

3. Money Owed to a Third Party Due to Legal Liability

If the negligent actions of you or someone else you authorized to operate your insured vehicle caused injury or damage to another person or their property that you are legally liable to pay for, those damages are covered by the liability portion of your auto insurance policy. In most cases, your policy will contain exclusions for intentional acts. Your policy may also not apply if someone operated your vehicle without authorization, such as a theif who steals a car and then causes an accident. Your policy also may not cover amounts you agree to pay to a third party if your insurance company or a court decides you are not legally liable to pay.

4. Medial Payments

Personal injury protection coverage provides coverage for injuries to you or passengers in your vehicle, regardless of fault. If another party is responsible for injuries to someone in your vehicle, your insurance company may seek to recover from the other party.

Automobile insurance coverage can be used to protect you against a wide variety of damages that result from the ownership or operation of a motor vehicle. An insurance professional can help you select the appropriate coverages for your needs.