Does Car Insurance Cover Brakes?

Car insurance is designed to cover damage incurred during an accident or damage from outside forces. There are two types of basic auto insurance that are typically required by law, liability insurance and personal injury protection (PIP).

Basic Auto Insurance Coverage

  • Liability Insurance: Liability only covers you in the event you cause an accident that does damage to another car or person. It helps pay for repairs and medical expenses for the other driver. It does not cover accidents that damage your own vehicle or medical expenses for yourself.
  • Personal Injury Protection (PIP): PIP covers your own medical expenses in the event of an accident. It may also cover injuries incurred by your passengers. It does not cover damage to your vehicle in any way.

Car insurance is designed to cover damage incurred during an accident or damage from outside forces.

So What Covers Brakes?

There are no basic auto insurance plans that cover your brakes. Car insurance is designed to repair damage done during an accident and brake failure is considered a mechanical issue. Insurance was never intended to cover basic wear and tear of your vehicle.

Though rare, there may be instances where an insurance provider will offer plans that cover mechanical failures like squeaky brakes or all-out brake failure. This is sometimes known as Mechanical Breakdown Insurance. Check with your provider, or an Obrella specialist, to see if this is coverage you can get.

Mechanical breakdown insurance often comes with restrictions. Some policies require that your car was on the road for less than a certain amount of months or miles. However, your provider may offer the ability to renew your insurance up to 100,000 miles or more.

It’s important to take into consideration the deductible when purchasing MBI insurance. In many instances it could be equal to the price of the repairs you’d have paid on your own.

Your other option is to purchase a warranty or maintenance plan from the dealer when you buy your car. Be sure to thoroughly check the types of extended warranties they offer for your vehicle before making a purchase.

If you’re having trouble determining whether an insurance provider offers coverage for your brakes, we can help you with this so you can decide what the best coverage for your situation might be.