The extent of the repairs covered by car insurance largely depends on your coverage level. Collision coverage covers damages resulting from collisions, including dented fenders, broken mirrors, and structural damage. Comprehensive coverage, on the other hand, covers damages outside of collisions, such as those from fires, theft, vandalism, natural disasters, falling objects, and animals. However, regular wear and tear, such as a worn-out engine or a faulty transmission, will not be covered by car insurance.