Does Car Insurance Cover Repairs?

Basic auto insurance includes a wide range of protection, including collision coverage that pays for your damaged car to be repaired as a result of a car accident. But a basic auto insurance policy doesn't typically cover the cost of mechanical repairs unless they are an immediate result of a collision. In that case, once you've met your deductible, your collision coverage would likely reimburse you for the expense of the mechanical repair.

Car mechanical repairs can be pricey, and they aren’t getting any cheaper. In fact, according to a¬†driving costs study¬†completed by the American Automobile Association (AAA), the expense associated with maintaining and repairing a vehicle increased by 11 percent from 2012 to 2013. With all these expenses, you may hope to turn to your car insurance to help pay the bills.

But what if your car experiences a mechanical breakdown unrelated to an accident? Let’s say the transmission goes out, your car needs a new engine, or the breaks go bad. That’s where having mechanical breakdown insurance, also referred to as mechanical breakdown protection, can come in handy.

What’s covered under mechanical breakdown insurance varies from provider to provider. You’ll find that some insurance companies offer tiered mechanical breakdown insurance plans that range from basic to comprehensive. Mechanical breakdown protection is available for new cars as well as pre-owned vehicles and it isn’t uncommon for drivers to forgo the extended warranty offered by their car dealership and opt to cover their car’s repairs with mechanical breakdown protection.

Car mechanical repairs can be pricey, and they aren’t getting any cheaper.

Some car owners are under the impression that comprehensive coverage will help pay for mechanical repairs, but it won’t. After you meet your deductible, comprehensive coverage may reimburse you for damage caused to your car by something other than an accident, such as a falling object, hail, or vandalism, but it won’t cover the cost of a new Catalytic Converter, or the expense of replacing the engine.

Basic car insurance offers valuable protection, but don’t count on it to pay for your car’s mechanical repairs. The good news is, you may be able to purchase additional coverage to help cover mechanical expenses. Call and speak with us today to help you find out how to get the protection you want without paying too much.


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