Car troubles are stressful, especially if you’re not sure whether or not your car insurance will cover the repairs. No one likes unexpected repair expenses! One question that many people have is whether or not car insurance covers electrical problems. We’re here to answer that question!
What are electrical problems in cars?
Before we answer the question of whether or not car insurance covers electrical problems, let’s talk about what electrical problems in cars are. Electrical problems in cars can include issues with the battery, alternator, starter, wiring, and other electrical components. Newer cars have tons of electrical components and computers. These problems can cause your car to have trouble starting, stall out, or even stop working altogether.
Does car insurance cover electrical problems?
Now, let’s get to the question everyone has. Does car insurance cover electrical problems? As with many topic we cover, the answer is: it depends.
It depends on the cause of the electrical problem. If the electrical problem is caused by a covered event, such as an accident, theft, or natural disaster, then your car insurance may cover the repairs.
Example: your car is in an accident (you have comprehensive and collision coverage) and it catches on fire. The fire went and fried all your electric wires in the car. Because the wires being fried was a direct result of this “covered” accident, you should have coverage.
However, if the electrical problem is caused by wear and tear or a lack of maintenance, then your car insurance is unlikely to cover the repairs. In this case, you’ll need to pay for the repairs out of pocket or use an extended warranty if you have one.
Example: you have a 1992 Honda Accord. The electric components are old and tired and just stop working one day, for no particular reason. This would not be covered under car insurance.
Remember, insurance is designed to cover things that happen suddenly and accidentally. It’s also designed to cover large, catastrophic events. Not things that should be taken care of with proper maintenance and care.
Car insurance may cover electrical problems if they are caused by a covered event, such as an accident or theft. However, if the electrical problem is caused by wear and tear or a lack of maintenance, then you’ll need to pay for the repairs yourself. To avoid unexpected expenses, it’s always a good idea to keep up with regular maintenance on your car and to work with a reputable mechanic who can help you stay on top of any potential issues. You can also consider purchasing a car-warranty plan. That shouldn’t be hard to do, considering we all get no less than 5 soliciting calls a day to purchase one!