Does auto insurance cover interior damage?

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Things to remember...
  • Interior damage happens for various reasons
  • Comprehensive coverage will take care of acts of vandalism
  • Interior damage as a result of wear and tear are not covered

If you experience any kind of interior damage, you want to get it repaired. Unfortunately, the cost of replacing upholstery, leather, and other items can get expensive.

You might want to file a claim with the insurance company, but first, you have to determine if you have sufficient coverage.

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Types of Interior Damage

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Interior damage happens all the time. It might be due to a car accident, vandalism, or even through general wear and tear.

How the interior is damaged will determine whether auto insurance will cover the repairs. A basic auto insurance policy generally won’t provide you any kind of coverage.

With a basic policy, no matter how it was damaged, the repairs would be your own financial responsibility.

Some of the most common ways interiors are damaged include:

  • Burn marks from smoking
  • Spilled food and drink
  • Children
  • Pets

Any time you file a claim, insurance will need to conduct an investigation. This investigation will help the company to determine if you have the coverage and if the damage happened the way you said it did.

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Interior Damage as a Result of a Car Accident

Most car accidents involve damage to the exterior of the car. However, if you experienced a severe accident or a rollover, it’s possible that there was damage to the interior as well.

Your car’s value is used to determine your premiums. Having leather interior might cost you more in premiums than upholstery interior would because there is the possibility that the insurance company will have to make a replacement.

The interior damage might be as a result of glass slashing the seats. Other interior damage could be as a result of a fire or anything else that took place during the accident.

If the interior damage is as a result of a car accident, you might be covered by collision insurance if you carry it. 

Interior Damage as a Result of Vandalism

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One of the most common ways for interior damage to occur is an act of vandalism. This event could involve someone breaking into your car, destroying your car, or your car being near a riot.

If you have comprehensive coverage, then it’s possible for the insurance company to take care of all damage that took place during the act of vandalism. This destruction might include not only interior damage but also broken windows, damage to the paint job, and more.

Often, you will want to file a police report prior to filing a claim with the insurance company. The insurance will ask for a police report in most instances. Having the report will help to speed up the claims process.

Interior Damage as a Result of Wear and Tear

If you experience damage from wear and tear, the repairs and replacements are your own responsibility. It would come out of your pocket and not be reimbursed because there is no insurance policy that would cover this kind of coverage.

It is to your benefit that you exercise caution within your car.

You might want to set rules as to what you and all of your passengers can and cannot do. These rules could include:

  • No smoking
  • No eating
  • No drinking anything besides water

You might also want to keep a stain remover and a car vacuum in your car so you to take care of problems quickly before they have an impact to damage the interior.

Interior damage might ruin your day when you find that it has occurred. Depending on how it occurred, you might be able to file a claim with the insurance company. Much of it will depend on the level of coverage that you have, too.

It’s a good idea to have high levels of liability insurance (above state minimums) as well as comprehensive coverage.

When you get online quotes, you can add more coverage to the quotes to see just how expensive the premiums will be.

Many times, the quotes are more affordable than you might think with the added coverage, thus allowing you to have a higher level of financial protection for when something does happen.

Enter your zip code into our free rate comparison tool below to find the car insurance company that’s right for you.

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