Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Aug 31, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Brentwood, NC

Asked on 08/31/2018

As i stopped at a red light, the frame of my vehicle cracked. I did not slam on brakes, but I did stop abruptly. Will full coverage auto insurance cover this if there is no rust on vehicle? This is a 2008 Chevrolet Impala. No other damage on vehicle prior. No rust on underbody or anywhere else on the car.

Answer given on September 01, 2018

It is unlikely there is any coverage for this damage to your vehicle. The physical damage coverage for your auto is for direct physical damage.  Under collision this is when you collide with another vehicle or object.  The comprehensive coverage is for other damages – fire, theft vandalism, flood and collision with an animal. Since there was no contact with any other vehicle or object your policy will not pay for the damages to your vehicle.  It is possible that the damage was caused by metal fatigue, which would not be covered.

You can always take the car to your vehicle repair shop and see if they find anything that might qualify the vehicle for coverage. There will be a deductible involved, probably under the collision portion of the policy, which is usually the higher deductible.  Before proceeding with any claim, be sure to get an estimate for the repairs to the vehicle.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.