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?

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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...

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UPDATED: Aug 31, 2018

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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.

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