Rust can be very damaging to vehicles. It is not uncommon, even today with new technology built into vehicles. If you have a vehicle with rust damage, it’s best to have it repaired. Not doing so could mean the value of the car might drop. You might also face safety risks behind the wheel. Will your auto insurance help cover the costs? The most common answer is no. Here’s why.
Why Do You Have Rust On Your Vehicle?
There are very few situations where you can prove that the rust damage on your car is from an accident or an unavoidable accident. Generally speaking, rust is due to normal wear and tear on the car. This type of damage generally has no coverage under a standard auto insurance policy.
Neither collision nor comprehensive auto insurance covers any type of normal maintenance on the car. They also do not apply to traditional wear and tear. It does not cover mechanical failures either. These are the type of expected costs that most vehicle owners need to plan for.
Car Accidents and Rust
Now, if your car suffered damage from an accident, your auto insurance company would help cover the damage to repair the vehicle.
For example, your fender has damage from colliding with your garage door. You have collision insurance. It pays for the repairs to the fender. Therefore, rust on the damaged fender will also be taken care of.
If the rust is the damage, though, due to exposure from the elements, chances are good your insurer will not provide you with any additional protection.
What if The Car Accident Led to The Rust Build Up?
The problem with this is twofold.
First, you have to report any type of damage to your agent right away. Delays in doing so can mean the agency will deny the claim. Most often, rust will take time to develop on the surface where the damage occurred. Taking care of the damage early can therefore help prevent rust buildup.
Second, if you did file a claim for the car accident, and did get the repairs done, it is unlikely that the area would suffer rust development. If it does, this may mean the repair technician did a poor job. If you failed to get the repair taken care of, even after filing a claim, that is also usually not the responsibility of the insurer.
Your car warranty may offer some coverage for rust development. While your car insurance policy generally does not offer help here, it is best to still get these repairs taken care of to ensure you protect the value of the car.
FAQ’s About Will Car Insurance Cover Rust Damage to Your Vehicle
Will my car insurance cover rust damage to my vehicle?
It depends on the type of coverage you have. Comprehensive insurance typically covers rust damage caused by non-collision events such as corrosion, but it’s best to check your policy for specific details.
What causes rust damage to a vehicle?
Rust damage is often caused by exposure to moisture, salt, and other environmental factors that lead to the oxidation of metal surfaces on the vehicle.
How can I prevent rust damage to my car?
Regularly washing and waxing your car, addressing any paint chips or scratches, and applying rust inhibitors can help prevent rust damage.
Will insurance cover rust damage from road salt?
Comprehensive insurance may cover rust damage caused by road salt, but it’s important to review your policy and consult with your insurance provider for confirmation.
Can I file a claim for rust damage on my older vehicle?
Depending on your policy and the cause of the rust damage, you may be able to file a claim for repairs or restoration of your older vehicle.
What is the process for filing a claim for rust damage?
You should contact your insurance company to report the damage, provide documentation and photos, and follow their guidance for filing a claim.
Does car insurance cover rust damage from flooding?
Comprehensive insurance may cover rust damage resulting from flooding, but it’s important to review your policy and seek clarification from your insurer.
Are there specific types of rust damage that may not be covered by insurance?
Some policies may exclude coverage for rust damage resulting from lack of maintenance or pre-existing conditions, so it’s important to understand your policy’s limitations.
How do insurance companies assess rust damage claims?
Insurance companies may send an adjuster to inspect the rust damage, review the policy coverage, and determine the extent of the damage and necessary
Can I add additional coverage for rust damage to my car insurance policy?
Some insurers offer optional coverage or endorsements specifically for rust damage, so it’s worth discussing your options with your insurance provider.
Can I file a claim for rust damage caused by salt?
If your car has been exposed to salt and it has caused rust damage, you may be wondering if you can file a claim with your car insurance company. The answer is that it depends on the specifics of your policy.
Salt is a common cause of rust damage to cars, especially in areas with snowy or icy winters where salt is used to melt ice on roads. However, whether or not your car insurance policy covers rust damage caused by salt will depend on the type of coverage you have.