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If i crash my car will my insurance cover it?

Whether your car insurance will cover a crash depends on the types of coverage you have and the circumstances of the accident. Here’s a detailed guide to help you understand what coverage might apply if you crash your car

Types of Car Insurance Coverage
  1. Liability Insurance:

    • Bodily Injury Liability: Covers injuries to others if you are at fault in an accident.
    • Property Damage Liability: Covers damage to other people’s property (e.g., their car, a fence) if you are at fault.
    • Note: Liability insurance does not cover your own injuries or damage to your own vehicle.
  2. Collision Insurance:

    • Covers damage to your car resulting from a collision with another vehicle or object (e.g., a tree, guardrail), regardless of who is at fault.
    • Deductible: You’ll likely have a deductible (the amount you pay out of pocket before insurance kicks in).
  3. Comprehensive Insurance:

    • Covers damage to your car caused by non-collision events such as theft, vandalism, natural disasters, and hitting an animal.
    • Deductible: Comprehensive coverage also usually involves a deductible.
  4. Personal Injury Protection (PIP) or Medical Payments (MedPay):

    • Covers medical expenses for you and your passengers, regardless of fault.
    • Note: The availability and requirements for PIP vary by state.
  5. Uninsured/Underinsured Motorist Coverage:

    • Covers your costs if you’re hit by a driver who doesn’t have sufficient insurance to cover the damage or if you’re the victim of a hit-and-run.

Scenarios and Coverage
  1. You Are at Fault:

    • Damage to Your Car: Covered by collision insurance.
    • Damage to the Other Vehicle: Covered by your property damage liability insurance.
    • Injuries to Others: Covered by your bodily injury liability insurance.
    • Your Injuries: Covered by your PIP/MedPay (if you have it) or your health insurance.
  2. The Other Driver Is at Fault:

    • Damage to Your Car: Covered by the other driver’s property damage liability insurance or by your collision insurance if the other driver is uninsured or underinsured.
    • Your Injuries: Covered by the other driver’s bodily injury liability insurance, your PIP/MedPay, or uninsured/underinsured motorist coverage.
  3. Single-Car Accident (e.g., hitting a tree or guardrail):

    • Damage to Your Car: Covered by collision insurance.
    • Your Injuries: Covered by your PIP/MedPay or health insurance.

Steps to Take After a Crash
  1. Ensure Safety:

    • Move to a safe location if possible and check for injuries.
  2. Call the Authorities:

    • Report the accident to the police and obtain a report.
  3. Exchange Information:

    • Exchange insurance and contact information with the other driver(s) involved.
  4. Document the Scene:

    • Take photos of the damage, the scene, and any relevant details.
  5. Notify Your Insurance Company:

    • Report the accident to your insurance provider as soon as possible. Provide them with the police report, photos, and any other relevant information.


If you crash your car, the extent of your insurance coverage depends on the specific policies you have in place. Collision insurance is crucial for covering damage to your vehicle, while liability insurance covers damage and injuries to others if you are at fault. Comprehensive insurance protects against non-collision-related damage. Always review your insurance policy to understand your coverage limits and deductibles, and consider speaking with your insurance agent to ensure you have the appropriate coverage for your needs. 

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