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A car insurance policy may help protect you and your vehicle in many scenarios, depending on the coverage you select. Sometimes you may have questions about your coverage before an event occurs — like, “I’m going to rent a car, do I need extra insurance?” But, more often, questions may come up after a mishap — , “I hit a deer. Am I covered?”

Either way, it can help to read up on some common car insurance coverage questions now, so you can be armed with knowledge for either type of scenario in the future

Hail damage?

Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail.

Pothole damage?

Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes.

Windshield damage?

Your insurance may be able to help if you have comprehensive coverage or comprehensive with full glass. These coverages may help pay for the costs of repairing or replacing your windshield.

Tree damage?

If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn’t exceed your car’s worth.

Hitting a deer?

Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage.

Squirrel damage?

If a squirrel chews on your car’s wiring, comprehensive coverage may help pay for repairs.

A hit-and-run?

Auto insurance may help protect you if you’ve been hurt or your car has been damaged in a hit-and-run. Collision coverage may help pay for car repairs after a hit-and-run. Uninsured and underinsured motorist coverage and medical payments coverage may help cover your medical bills after a hit-and-run.

Catalytic converter theft?

Typically, comprehensive coverage may help cover the theft of car parts.

A stolen car?

Comprehensive coverage typically helps cover losses such as theft. In the event your car is stolen, call the police and file a report, notify your insurance company after you’ve filed the report and if your car is leased or financed you should notify the lender.

A friend wrecking my car?

If your friend was involved in a wreck while driving your car, typically your insurance policy (not his) would likely be tapped to pay for damage or injury costs resulting from the accident. However, the way this plays out varies by state and depends on the specific coverages and limits of your insurance policy.

Keep in mind that the coverage you may receive will depend on the type of auto policy you have. In the event of an accident, note that you may be required to pay a deductible in order for your coverage to fully kick in.

What is commercial auto insurance?

business insurance policy depends on the coverages you choose. It also depends on your coverage limits and deductibles. A limit is the maximum amount of money an insurance company will pay toward a covered claim, and a deductible is what you pay out of pocket toward a claim before insurance kicks in.