Vehicle Insurance question!

Insurance won’t cover wear-and-tear, only damage caused by a collision of some kind or vandalism.

I wouldn’t recommend this because it’s illegal, but if some young teens in your neighborhood were to vandalize that taillight then it would be covered :wink:

As far as the mold, insurance would only cover that if it were caused by a flood or say something like teenage vandals throwing water through your open window :wink:

Both would be comprehensive claims and wouldn’t affect your premium.

If the leak was not caused by a collision or something like hail smashing it, but rather due to wear and tear or defective part, then your insurance won’t cover it. Even if it did, you would have a deductible to pay. Probably not worth it.

Even if you’re past your warranty, you could still make a claim against Toyota for a defective brake light cover. Call their customer service and say you want to make a claim for defective part and keep pushing it until you talk to someone who can either write you a check or send you a formal denial letter.

Whats your comp deductible? If its $500 or above then its not even worth wasting time with insurance because even if they cover it, its not worth the hassle for $100-200 payout after the deductible gets taken out

Thanks Jon Ham!