Cars are covered under the optional comprehensive portion of your auto insurance policy. (rmiia.org)
What will increase is the so - called collision and comprehensive portions of your policy. (money.cnn.com)
In an at - fault accident, you will have to make a claim against the liability and comprehensive portions of your policy, which pay for the damage / injuries done to other drivers and the damage done to your vehicle, respectively. (carinsurancerates.com)