I don't think any vehicle insurance covers that type of thing, maybe I am wrong. But they appear to be a very sound company but I just found it odd that I haven't heard of them and all of a sudden I get this thing in the mail from them so I got online and got the quote, and it even has a $100 ded on comprehensive and doesn't need to inspect the car prior to starting coverage... Ya know they say, if it sounds too good to be true, it probably is... Help me fellas:leghumper