All cars can get rust damage over time, when your vehicle gets rust damage, can you depend on Auto insurance to insure you? Or are you unlucky?
Today, we are explaining everything you need to know about whether or not your auto insurance policy covers rust damage.
The Auto Insurance Does Not Typically Cover Rust Damage
The car insurance is designed to protect you against unexpected expenses such an accident, hurricane damage, or vehicle theft.
Auto insurance is not designed to protect against expected expenses as a damages caused by ordinary wear and tear on your car.
All vehicles will get rust damage over time. And there are ways to delay rust damage , but there is no real way to avoid rust damage.
For that , auto insurance companies do not usually cover rust damage to a car. Rust is considered to be normal wear and tear on cars. This is the same reason that auto insurance companies don’t cover brake pad replacements, blown engines, and other mechanical problems.
Auto Insurance can Cover Rust Damage in Certain Situations
If your vehicle gets rusty over a long period of time, then it is unlikely for your auto insurance policy to cover it.
But , if your car has become rusty due to a certain situation, then you maybe covered under your auto insurance policy.
So, there are only two situations where auto insurance might cover rust damage, assuming you have a full coverage policy or if you have comprehensive coverage.
Improper Repair Job Leads to Rust Damage
On suppose your rust damage occurred due to an incident where your car was not repaired correctly. You took your vehicle to a body shop and paid for repairs. But certain piece was inadequately repaired and installed. And because that piece was improperly installed, your car developed rust damage. In this case, it is possible that your comprehensive coverage could cover rust damage. However, you need to prove that the rust damage occurred after the repairs took place.
What Causes Vehicles to Rust?
In certain areas cars are more prone to rust than cars in other areas. Drivers in coastal areas, for example, can expose their cars to saltwater, increasing corrosion and causing rust to form.
Drivers on humid climates is also have more rust problems. More humidity in the air that means more corrosion.
Many municipalities in winter climates will pour salt at the road to melt the snow and ice. This works great for removing the ice , but it also wreaks havoc on cars. The salt leads to rust, which is why many cars in winter climates are more prone to rust issues.
The vehicles that are least prone to rust are those that live in dry, desert climates.And even these cars will develop rust over a long enough period of time.