Even though insurance covers most things, there are always some things that you might find are not covered by car insurance. If you don’t have collision insurance, then your insurance will not cover the car repair fees.
If you have personalized your car in any way and added things not originally on the car, then the car insurance will usually not pay for you to repair these items. You might also find that your car insurance does not pay any repairs if you were using the car for commercial uses such as for Uber or Lyft. This is especially true if your car is still under a loan.