I have liability, comprehensive, and collision coverage, and my insurance won’t cover repairs to my car because the damage wasn't caused by an accident. Is it possible to get them to cover it?
No, because what you described does not fit the automobile policy as a covered peril. You failed to mention what is wrong with your automobile and how it happened. You only only said it was not caused by an accident. It likely is normal automobile repairs, not accident related. Also, you did not tell us what insurance policy form covered your automobile. I am guessing that it is mechanical repairs not related to an accident or intentional damage.
The following is addressing one of the most common personal automobile policies, The Insurance Service Office’s PP 00 01 01 05. It is written and used by it’s subscribers.
Your Policy states: ”In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows:
A. We will pay for direct and accidental loss to "your covered auto" or any "non-owned auto", including their equipment, minus any applicable deductible shown in the Declarations. If loss to more than one "your covered auto" or "non-owned auto" results from the same "collision", only the highest applicable deductible will apply. We will pay for loss to "your covered auto" caused by:
1. Other than "collision" only if the Declarations indicate that Other Than Collision Coverage is provided for that auto.
2. "Collision" only if the Declarations indicate that Collision Coverage is provided for that auto. If there is a loss to a "non-owned auto", we will provide the broadest coverage applicable to any "your covered auto" shown in the Declarations.
B. "Collision" means the upset of "your covered auto" or a "non-owned auto" or their impact with another vehicle or object. Loss caused by the following is considered other than "collision":
1. Missiles or falling objects;
3. Theft or larceny;
4. Explosion or earthquake;
6. Hail, water or flood;
7. Malicious mischief or vandalism;
8. Riot or civil commotion;
9. Contact with bird or animal; or
10. Breakage of glass. If breakage of glass is caused by a "collision", you may elect to have it considered a loss caused by "collision".
EXCLUSIONS We will not pay for:
1. Loss to "your covered auto" or any "nonowned auto" which occurs while it is being used as a public or livery conveyance. This Exclusion (1.) does not apply to a share-theexpense car pool.
2. Damage due and confined to:
a. Wear and tear;
c. Mechanical or electrical breakdown or failure; or
d. Road damage to tires. This Exclusion (2.) does not apply if the damage results from the total theft of "your covered auto" or any "non-owned auto".
3. Loss due to or as a consequence of:
a. Radioactive contamination;
b. Discharge of any nuclear weapon (even if accidental);
c. War (declared or undeclared);
d. Civil war; e. Insurrection; or
f. Rebellion or revolution.
4. Loss to any electronic equipment that reproduces, receives or transmits audio, visual or data signals. This includes but is not limited to:
a. Radios and stereos;
b. Tape decks;
c. Compact disk systems;
d. Navigation systems;
e. Internet access systems;
f. Personal computers;
g. Video entertainment systems;
j. Two-way mobile radios;
k. Scanners; or
l. Citizens band radios. This Exclusion (4.) does not apply to electronic equipment that is permanently installed in "your covered auto"……
You see that the auto policy is very specific on what it does and does not cover. I suggest that you request from the insurance claim handler, a written denial if you have not already received one. It likely will quote the applicable part of the policy that excludes your not covered loss.
You may wish to purchase an automobile extended warrantee.