6 Surprising Things Car Insurance Covers

Jul 19, 2019

19 Jul
Auto Insurance, Understanding Insurance

6 Surprising Things Car Insurance Covers

by John Malone

Everyone knows that car insurance protects you from losses due to accidents up to the coverage limit of the policy. What you may not know is that car insurance also protects you from many other things, among them rodents, earthquakes and court costs. Here are some surprising things that car insurance covers. 

Court Costs

Car accidents are costly and traumatic experiences. But the real trouble can begin after the accident if you’re sued by the other party for their injuries. Luckily, most car insurance policies provide legal representation if you are involved in a lawsuit resulting from an accident. 

Damage from Potholes 

If you’re driving and you see that you’re about to hit a pothole, it’s always better to hit the pothole than swerve into another lane of traffic and risk causing an accident. Though damage from a pothole will be considered an at-fault accident, the collision portion of your car insurance will cover the cost of repairs up to your coverage limit.


Nothing is more infuriating than returning to your parked car and finding it keyed-up or covered in spray paint. If you have comprehensive car insurance, you have no reason to worry, because it will likely cover the cost of repairs. 


Guess how many states experience earthquakes? Your guess was likely low, because the number is actually 42. 90 percent of drivers in America live in an area where there are earthquakes, and that includes New York City.

Most comprehensive car insurance policies will protect your car from damage caused by earthquakes because they are deemed “acts of god” that are not the responsibility of the driver.

Car Seats 

In the same way that fixtures are considered a part of your home, car seats are considered by insurance companies to be a part of your car. That means that if the car seat is damaged as the result of an accident, it should be replaced by the collision portion of your policy.

Rodent Meals

Rats, for some reason, really enjoy the taste of electrical wires. This can be an expensive meal (for you), as damages from rodents regularly cost thousands of dollars. Not to be alarmed, however, as a comprehensive car insurance policy will cover most or all of the losses.

Affordable Car Insurance for New Yorkers

TSC Direct provides affordable auto insurance in NYC. We’ve specifically designed our policies and our claims process to meet the unique needs of New Yorkers. 

We are known for superior service, lower rates, and a simple and efficient claims process. When possible, we deliver claims checks to NYC residents by hand rather than putting them in the mail.

As a local insurance carrier since 1986, we are proud to have earned an A- (Excellent) rating from A.M. Best, the world’s most prestigious credit rating agency for insurers.

To learn more or to get a quote, visit our homepage or contact us today!

For New Yorkers, by New Yorkers
Since 1986, we have offered the most competitive rates in auto and homeowner's insurance in the New York metropolitan area. Why should everything cost more just because we live in the greatest city in the world? Take 2 minutes and get a free quote today.

As  of December 31, 2019 Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $109,367,801 and policyholders surplus of $49,936,957.  Its total liabilities were $59,430,843 including $38,313,944 in reserves.

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Providing auto and homeowners insurance to: New York City, Queens, Manhattan, Brooklyn, Bronx, Staten Island, and Nassau & Suffolk Counties in Long Island. Providing homeowners insurance also to: Westchester County and Orange County NY.