6 Things Your Car Insurance Covers

Things slow down, you lose clarity, and nothing makes sense. After impact, your mind races before the horror sets in; you will have to explain this to your insurance company. With loved ones to call, and numbers to exchange, your insurance company is the last thing you should be worried about.


While most people fear their insurance companies, the truth is that your insurance company actually offers some really great coverage options that can help you out in the event of an accident. Here are six things you may be surprised to find your insurance company will offer to cover if you are involved in a collision.

Legal Representation

Some accidents are nothing more than minor fender benders. Some accidents involve a pretty major dent. And then there are the accidents where you jump a curb, avoid a middle school and crash through a Denny’s, injuring an employee and the Girl Scout inside. For the latter, you’ll definitely need a lawyer.

Legal Representation

Without representation, you’d have to face these 12 angry guys alone.

Although you may not know it, your insurance company has you covered. They will provide the legal defense for you in the case of a lawsuit. This is for their benefit. Since the money you would have to pay comes out of their pockets anyway, the better you do in court, the better off they are. For this reason, they’d much rather invest in an experienced attorney to argue that being in a Denny’s is an implied risk and that there’s no way you can be held at fault.

A Towed Trailer

Getting into an accident sometimes results in collateral damage. For those towing a trailer, the damage can be quite costly. Not everyone tows a trailer. In fact, they are mainly reserved for weekend dirt bike champions and horse breeders.

A Towed Trailer

Whether your trailer is absurd or not, it’s probably covered!

Nevertheless, if you are in the small percentage of trailer towers, you can rest easy knowing in the event of an accident, your insurance will help cover the cost of the trailer and what was inside it. Although they may not honor the cost of potential Kentucky Derby winnings, they should definitely cover the cost of your belongings.

Prosthetic Parts

Believe it or not, almost everything that is lost or destroyed when you get into a car accident can replaced…including your limbs.

There are few things scarier than losing a limb in a car accident. Whether you lost a ody part, or an existing prosthetic, most insurance companies will hook you up with replacement limbs in no time.

Funeral Costs

Sadly, not everyone walks away from an accident. Fortunately, most insurance companies will cover the cost of putting you into the ground.

If you should be so unfortunate as to lose your life in an accident, your insurance company is there to provide relief. The last thing you want to worry about is wondering how your family will cover the cost of your funeral. Although it is not a pleasant thought, it is nice to know that your insurance company has your back.

Veterinary Costs

For many people, their pets are far more valuable than their children. While your insurance company thinks that’s kinda weird, they are willing to support it nonetheless.

Veterinary Costs

This dog is totally relaxed, secure in the knowledge that he’s insured.

In the event of a four-legged passenger being injured in a car accident, most insurance companies will cover the cost of the veterinary visits. Although car accidents usually end worse for pets than they do for humans, it is nice to know that whatever treatment Fido may need is covered by your insurance provider.

Dental Reconstruction

Alan Thicke once sang, “Show me that smile again.” Although most people remember this as the Growing Pains theme song, it could have been the theme song of a pilot staring Thicke as an auto insurance salesman who filled out dental claims.

For many people, their teeth mean everything, and with good reason. Braces and dental appointments cost a fortune, and nobody wants to give up their ability to smile. In the event of a face-meets-glass accident, it is nice to know that your insurance company will pick up the time and the money it takes to have your pearly whites restored. Although you may not be smiling at the time of the accident, you should be smiling again in no time.

Conclusion: A car accident is more than just a random occurrence. In most cases it can be a life changer. Accidents can wreck you financially, emotionally, and physically. While your insurance company can’t bring back a loved one or even the damage done to a pet due to the accident, it can at least cover the expenses of the ordeal and give you a little bit more peace of mind.

More about car insurance

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