Will Car Insurance Cover Repairs – If you need to fix a mechanical problem when your vehicle’s original warranty has expired, you may want to purchase auto repair insurance. Also referred to as mechanical breakdown insurance (MBI), this type of insurance is available from major insurers and can save you from paying thousands of dollars in repairs. Note that it is not required by any state, nor is it part of your normal auto insurance policy.
Although this type of insurance does not cover replacement of filters, tires, spark plugs, brake pads, or adding fluid, it includes the following:
Will Car Insurance Cover Repairs
It is similar to the service contract or extended warranty offered from car dealers and manufacturers as it covers the same aspects.
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Keep in mind that not all insurers offer this type of coverage, even if they do, they may have limitations. For example, you may need this type of coverage when your vehicle is relatively new. According to WalletHub, GEICO only allows you to register if your vehicle has less than 15,000 miles and is less than 15 months old.
Also, coverage may end as your vehicle ages. You will likely need to remove this coverage after 100,000 miles or seven years.
Although the two types of coverage sound similar, they have some differences. If you bought your vehicle new, it may have some time left on the original warranty because you can usually transfer the warranty. But if you want to buy an extended warranty, either from the seller or a third-party dealer, it adds ongoing coverage for specific issues even after the manufacturer’s warranty expires.
Depending on the vehicle, extended warranties are cheaper than MBI, but they may be more limited in the types of repairs they cover. They may also have a shorter period of time in which you are eligible. However, like regular warranties and policies, extended warranties will not cover normal wear and tear. Shop around and compare costs, as you may find that the MBI offered through your insurer covers more than the extended warranty.
Auto Repair Insurance Vs. Extended Car Warranty Benefits
Before you agree to add MBI to your policy, make sure you are aware of any limitations you may have to meet.
If your vehicle is damaged due to a collision or other covered incident, such as fire or theft, regular auto insurance can help cover the cost of repairs. However, repairs for routine mechanical breakdowns as well as normal wear and tear are usually not covered under insurance policies.
According to the National Association of Insurance Commissioners, vehicle maintenance, including oil changes, is usually not included in your policy. Also, mechanical failure or blown engine may not be covered when it comes to replacing or repairing your vehicle.
Carrying collision coverage can help you pay for repairs if your vehicle is damaged in an accident with an object or another vehicle. These signals usually protect you if you are involved in a single car accident or from hitting a pothole. It also helps if your vehicle has mechanical problems or sustained body damage due to a collision.
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Another type of coverage is comprehensive insurance that can cover the cost of repairs. This coverage gives you protection against damages caused by:
If you’re worried about expensive repairs and want extra protection, you should consider buying a car warranty because, according to Edmunds, they’re designed to help cover certain mechanical breakdowns. They usually have a set time frame or until your vehicle reaches a specific mileage.
Another option is roadside assistance. With this program, you can get towing services if your vehicle breaks down, help with a flat tire, and jump for a dead battery. They are usually available through membership or on an as-needed basis.
When determining who pays for repairs after an accident, it comes down to who is responsible. If you are the at-fault driver, your insurer will likely cover your repairs after you cover the deductible.
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However, if the other driver is at fault, you can file a claim with the other driver provider. You can also choose to have your insurance pay for your repairs, even if you were not at fault or the other driver was unresponsive or cooperative. In this situation, your insurer pursues compensation from other drivers, including money back for your deductible.
If, for some reason, there is a disagreement as to the driver responsible for the accident, both insurers can sue each other to recover compensation.
Owning a vehicle comes with a lot of responsibility, and odds are, you will have to pay for repairs at some point. Buying car repair insurance is one way to help offset the costs that come with replacing the main components of your vehicle. However, sometimes buying extended warranty coverage is a better option, so make sure you shop around and compare costs.
Hearst Autos Research, produced independently of the Car and Driver Editorial staff, provides articles about cars and the automotive industry to help readers make purchasing choices.
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Car insurance does not cover regular mechanical repairs, but it can help cover the cost of repairs if the damage is caused by a collision or other covered event, such as theft or fire. Skip to article
Is Car Insurance Covered For Mechanical Problems?
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. He is passionate about making insurance topics easy for people to understand and helping them make better financial decisions. When not writing, you can find him reading books or watching anime.
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. He has written for various media outlets, including the USA Today Network. He most recently worked in the public sector for the Nevada Department of Transportation.
If you’ve ever had the unpleasant experience of having your car damaged in an accident, or you find your car in your driveway – under a tree – one of the first thoughts you may have is, “does car insurance cover repairs?”
With auto repair insurance, we’re talking about the type of coverage you’ll need to pay for those repairs.
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If you’re in the market for car insurance and want the peace of mind to make sure your car repairs will be covered, read on.
Mechanical damage insurance is a type of insurance that protects you from costly repairs from wear and tear that cause damage. Some insurance companies offer it, and you often see TV commercials touting that type of insurance.
By car repair insurance, we’re talking about good old fashioned, indispensable conventional car insurance – getting car repair after something goes wrong, like a car wreck, fallen tree, hail or your car is stolen.
If you are looking for the right coverage to fix such problems, it helps to know the terminology of your auto repair insurance.
Is Car Repair Insurance Worth It?
If you want to make sure your car repairs will be covered, you need collision insurance and comprehensive insurance. But responsibility is important for the damage you do to others and their property.
You can go further and get additional coverage. For example, gap coverage will ensure that if you are in a total loss accident and you owe more than your car is worth, your auto insurer will pay the difference. Gap insurance protects you from getting stuck paying the lender money for a car you no longer drive.
As for how much it costs to have collision and comprehensive insurance, it may seem like a lot, but it’s a drop in the bucket compared to shelling out thousands of dollars or more after a serious accident.
According to the rate analysis, the national average for comprehensive coverage is $255 per year, for collision it is $687 per year for a total of $942 in annual premiums. Add liability coverage to that and you have what many people call “full coverage” which costs an average of $1,607 annually.
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Of course, it’s important not to fall into the trap of thinking, “Well, car repair insurance will pay forever. If I have a car accident, I don’t have to pay anything.” That’s just not possible.
As for the deductible, you don’t have to get a $500 deductible. You may receive a lower or higher deductible than $500, depending on the insurance company.
While it’s nice to have no deductible, you should ask yourself if you want to pay a higher monthly premium. Likewise, while it will be
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