Car Insurance does not cover you for wear and tear. Depending on your coverage, car insurance covers for Liability, Property Damage, Uninsured/Underinsured Motorists, Medical and Personal Injury (additional Personal Injury is also available), Collision and Comprehensive (also available with Glass coverage), Roadside help and Rental Reimbursement.
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No, car insurance does not cover wear and tear. Insurance is designed to protect you from accidents and damage caused to your vehicle, other people's property, and bodily injury to yourself, your passengers and others. Wear and tear should be handled as part of the normal maintenance of your vehicle.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Car insurance provides coverage for losses due to your car caused by collision with another motor vehicle or a stationary object, a human being or animal. It also provides coverage for loss due to theft, fire, vandalism, damage by a falling object etc. These are examples of covered losses which would be settled provided that you have both Comprehensive and Collision coverage as part of your policy. Wear and tear are not covered perils in a car insurance policy.
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