Is Interior Damage Covered by Car Insurance?

When you think of vehicle damage, a dented bumper or a smashed windshield might come to mind. But what about interior damage? 

If you’re dealing with things like ripped upholstery or damaged speakers, the repair costs can be astronomical. So it’s no wonder one of the most common questions we get from our clients is this: “Is interior damage covered by car insurance?” 

Is interior damage covered by car insurance?

We’re glad you asked! It’s important to understand your car insurance coverage, and it’s especially beneficial if you understand it BEFORE you need to use it. 

Like most types of vehicle damage, coverage for interior damage depends on how the damage occurred as well as what kind of coverage you have in place.

Interior damage from collisions

In the unfortunate event you’re in an accident and the interior of your car sustains damage, there are a few ways insurance could cover the repairs. 

First, if the accident is considered the other driver’s fault, their own insurance could go toward repairing the damage.

But let’s say you’re responsible for the collision. 

In that case, you’ll need collision insurance in place! If you only have the legally required minimum insurance, it won’t include coverage for repairing or replacing your own vehicle after an accident for which you’re at fault.

If you add collision insurance to your policy, it can help cover repairs and replacement from damage sustained in collisions with another vehicle, an object, or if you’re in a single vehicle collision (like a rollover). 

Damage not related to collisions

There are all kinds of ways your vehicle’s interior could get damaged that have nothing to do with an accident! 

All too often, we hear stories of campers who leave their car doors unlocked only to discover their upholstery has been torn to shreds by wildlife. When that happens, will insurance cover the damage?

In that case, you’ll want to have comprehensive coverage on your policy. This insurance applies to damage from non-collision related events, including animal damage like we just mentioned, as well as damage from falling objects, storms, vandalism, and theft. 

What kind of interior damage is covered by auto insurance?

Here are a few examples of interior vehicle damage that could be covered by your comprehensive or collision insurance:

  • Upholstery damage
  • Speaker damage
  • Interior vandalism 
  • Seat damage
  • Dashboard damage
  • Floor and trunk mat damage
  • Steering wheel damage

Are you interested in learning more about the Colorado car insurance options that give you the kind of protection you need for whatever comes your way? Get in touch today: 303-774-8810.