In your question, you mentioned, "standard auto policy,” this is a very general term. If only liability coverage was purchased with no physical damage coverage for your vehicle, then there would be no coverage for any damage to your car. Many insurance companies may provide coverage for this type of damage if the proper coverage had been purchased prior to the damage. The coverage that typically would cover this type of damage is Comprehensive coverage.

Each insurance company has their own guidelines so please check your policy to see if there is any exclusion for such damage. Your insurance agent or insurance company should be able to provide you with this information and verify the coverage that was purchased.

Assuming that there is physical damage coverage for the vehicle in question a claim could be filed with your insurance provider. The claims adjuster would determine if the damage is to be covered by researching the damage. There are many factors that will be taken into account in determining if the vehicle will be covered and any deductibles stated within the policy agreement would apply. The claims department of your insurance company may be able to answer the question specifically for your policy. It would be a typical covered loss as explained on our coverage page: For example, Comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals.