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Does auto insurance cover headlights?

Headlights can cost a substantial amount of cash to replace, especially if they’re high-end HID or LED units. An auto insurer might pay the bill under certain circumstances:

  1. If a car accident destroys one or both lights and you have collision coverage, you can make a claim. The expense must exceed your deductible.
  2. When a criminal, a falling tree limb or an animal breaks your headlight, you may also be eligible for compensation. However, you must carry comprehensive insurance.

If you find yourself in need of car or motorcycle coverage, please contact our independent agency in Aurora, CO. We’ll help you sign up for a policy that meets your needs at a competitive rate.

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