PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
What happens to my car in an accident when I have full coverage?
"I want to know what would happen to my car if I was hit or if I hit someone else. I have full coverage, so would my vehicle be protected either way? Would my insurance rate go up?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“When you have full coverage, or
comprehensive insurance
and collision insurance
, your vehicle is protected from accidents regardless of fault.If you rear end someone and damage both vehicles, your collision insurance would cover your damages and your
liability car insurance
would cover the other driver’s injuries or damages.If someone hit you, their insurance would cover your injuries or damages. If they didn’t have enough coverage or were uninsured, your collision insurance may help cover the damage.
Whether your insurance rates will change depends on the carrier. Some insurance companies rate accidents, whether at fault or not at fault, negatively. Some carriers are more lenient for not at fault accidents.
If your rate does increase after an accident, you can shop around to find a more affordable rate using an online comparison tool like
Jerry
.” View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies