Auto insurance should be there for you when you are in an accident. How much coverage you have depends on the type of policy you have. It also varies based on what happens. A bumper-related accident could have some coverage. However, your agent is going to need a bit more information to know what options are available to you. Consider these situations.
You Hit Another Vehicle in a Moving Violation
You collided with another vehicle, perhaps you did not see them stop. The damage to your bumper is significant. In this situation, two things may occur.
- Your liability insurance pays for the damage you caused to the other driver’s vehicle, if any. Your liability insurance protects the other driver's losses.
- If you have collision insurance, it may help cover the costs related to the damage to your car. You collided with something and damaged the bumper. This type of insurance covers those losses.
Someone Else Causes Damage To Your Car
Let’s say you did not cause the accident. Rather, someone else hit you and caused damage to your bumper. In this case, your own insurance does not pay for the loss in most states.
Rather, the other driver’s insurance covers the losses. If they have liability coverage, it will apply to you in many cases. In some cases, you may have to seek legal support to help you with the recovery of your losses.
You Have Damage to Your Bumper Caused By Unexplained Reasons
Perhaps you were in a parking lot. You come out to your vehicle. There is damage to it, but no one is around. In this case, you may have coverage under your uninsured motorist coverage. You don't know who caused the damage, so you can't file on their insurance. For that reason, the other party has no insurance for all intents and purposes. Therefore, the circumstances of the incident play a role in whether your insurance will pay for the losses.
How Much Will It Pay You?
The other factor to keep in mind relates to how much the auto insurance policy will pay to you. The insurer will need an estimate of the damage and the cost to repair it. It will then determine what your deductible is. You are responsible for your deductible first. The insurance policy will pay the rest if you have coverage.
In some cases, car insurance does not cover this type of damage. That is commonly the case if you lack collision insurance or other protection. If you have damage to your car, call your agent. Discuss what happened. Talk about the type of insurance you have. Then, work on filing a claim.
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