{"id":108,"date":"2026-03-09T13:38:00","date_gmt":"2026-03-09T13:38:00","guid":{"rendered":"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/?p=108"},"modified":"2026-03-24T13:39:59","modified_gmt":"2026-03-24T13:39:59","slug":"what-does-car-insurance-actually-cover","status":"publish","type":"post","link":"https:\/\/www.folsomautomall.com\/blog\/what-does-car-insurance-actually-cover\/","title":{"rendered":"What does car insurance actually cover?"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Folsom Auto Mall - 45 Seconds on What Insurance Covers\" width=\"474\" height=\"267\" src=\"https:\/\/www.youtube.com\/embed\/NDBQnzlFWE8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>If you ever wondered what your car insurance will actually cover, the Folsom Auto Mall is here to help. We\u2019ve put together a quick explanation of typical benefits covered under most car insurance policies. Of course, all policies are different, and you can choose specific benefits to suit your needs. But here\u2019s a quick overview to teach you the basics.<\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<p>The short answer is covered pretty succinctly by Car and Driver with this explanation:<br>\u201cIf your vehicle was damaged due to a collision or other covered incident, such as a fire or theft, regular car insurance might help offset the cost for repairs. However, repairs for routine mechanical breakdowns as well as normal wear and tear are usually not covered in an insurance policy.\u201d<br><br>Typically, most car insurance policies cover repairs due to a collision. In simplest terms, car insurance will pay for repairs if you\u2019re ever in an accident. It also usually covers natural disasters like hail, floods, fires, hurricanes and tornados. Most policies cover damage due to vandalism, theft, falling objects &#8211; and even rocks that might crack your windshield on the highway.<br><br>What car insurance DOES NOT typically cover are repairs due to mechanical failure or related to any vehicle maintenance. It won\u2019t cover things like oil changes, spark plugs or filters &#8211; or any part that may fail due to normal wear and tear. Insurance doesn\u2019t include engine repair due to failure or tire replacement due to normal wear; it won\u2019t even cover a nail in your tire. Instead, you might consider purchasing a pre-paid maintenance plan, road hazard or service policy from your dealership. Those policies can save you money by purchasing your service in advance.<br><br>Most basic car insurance policies do not cover personal belongings that might\u2019ve been damaged or stolen from inside your vehicle. However, there are sometimes add-ons you can purchase to cover those items. Additionally, you can add to your policy things like medical care, rental car reimbursement and roadside assistance.<br><br><a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/minimum-required-in-state\/\">Car insurance requirements differ by state<\/a>, so make sure you have the <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-insurance-laws-by-state.html\">minimum required amount<\/a> on your vehicle. In California, you need $15,000 per person\/$30,000 per accident \u201cbodily injury liability\u201d. You also need a minimum of $5000 for property damage liability. Some states also require coverage for uninsured motorists (but not California). Remember, though, it\u2019s always better to be safe than sorry &#8211; so consider purchasing as much insurance as you can comfortably afford.<br><br>If you do find yourself in an accident, the <a href=\"http:\/\/folsomautomall.com\">Folsom Auto Mall <\/a>offers collision repair; we can help you navigate your insurance claims and ensure your repairs are done right. Hope that helps!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you ever wondered what your car insurance will actually cover, the Folsom Auto Mall is here to help. We\u2019ve put together a quick explanation of typical benefits covered under most car insurance policies. Of course, all policies are different, and you can choose specific benefits to suit your needs. But here\u2019s a quick overview [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,2],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<link rel=\"canonical\" href=\"https:\/\/tt-blogs.dealerfire.com\/folsomautomall\/what-does-car-insurance-actually-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What does car insurance actually cover? - Folsom Auto Mall\" \/>\n<meta property=\"og:description\" content=\"If you ever wondered what your car insurance will actually cover, the Folsom Auto Mall is here to help. We\u2019ve put together a quick explanation of typical benefits covered under most car insurance policies. Of course, all policies are different, and you can choose specific benefits to suit your needs. 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