Accident caused while sneezing: are you covered?
You're driving along and you have to sneeze … all it takes is just a few seconds and bang! You rear-end the car in front of you. Does your car insurance cover the damage to your car?
Yes, your insurance policy covers such damage if you purchased Comprehensive coverage (Section B).
The damage to the car you rear-ended is covered by the other car owner's insurance. Even though the fender bender was your fault, it's not your insurer who'll pay for the damage to the other car.
A bit of advice
Even if your policy covers the damage caused by a sneeze or momentary distraction, you can take steps to minimize the risks.
Always keep a safe distance between your car and the car ahead. You could avoid that annoying fender bender and… a claim in your file.
accident
auto insurance
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