Does my car insurance cover rust damage?
No Car Insurance Does Not Typically Cover Rust Damage
No, Car Insurance Does Not Typically Cover Rust Damage To Your Car. However, if you have a car accident that causes you to lose your job, then you may be covered. While the law does not specifically cover rust damage to your car, it may cover damage to your vehicle from fire, theft, or other non-renewal of your car. The fact that the state of Texas does not generally have a "Rust Damage Waiver" does not mean that the state does not have an "Expectation of Loss" from rust damage. However, the "Expectation of Loss" is based on how much you anticipate your accident will cost and the likelihood of your accident being covered in your insurance policy. Car insurance does not generally cover damage to your car from rust. However, if you have a car accident that results in your car being damaged or destroyed, then you may be covered. You cannot use your car insurance to pay for damage to other drivers' vehicles.
Car Insurance Might Cover Rust Damage in Certain Situations
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Why doesnt auto insurance cover rust repairs
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Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
