When it comes to car insurance, it’s important to understand what is and isn’t covered. Car insurance policies are designed to provide financial protection for unexpected events, such as accidents or theft, that can result in damage to your vehicle and/or other people and their property.
Insurance policies generally do not cover repairs that are necessary due to routine maintenance or wear and tear.
If your car is in need of non-accident repairs, such as fixing a faulty transmission or replacing worn-out brake pads, it’s unlikely that your insurance policy will cover the cost. This is because insurance companies view these types of repairs as part of the regular maintenance and upkeep of your vehicle, which is typically the responsibility of the vehicle owner.
A general rule of thumb when it comes to insurance: insurance is designed to cover things that are sudden, and accidental.
Other Options On Car Insurance Policies?
However, some insurance companies do offer additional coverage options that can help cover the cost of non-accident repairs. One such option is mechanical breakdown insurance, which is designed to cover the cost of repairs for mechanical or electrical breakdowns that occur outside of an accident. This type of coverage is typically offered as an add-on to your existing car insurance policy. It does not come standard or even part of “full coverage”.
What Can You Do?
It’s important to review your insurance policy and understand what is and isn’t covered when it comes to non-accident repairs. If you’re unsure about whether a specific repair is covered under your policy, it’s a good idea to contact your insurance provider and ask for clarification.
In addition to understanding your insurance policy, it’s also important to take steps to keep your vehicle in good working order and minimize the need for non-accident repairs. This can include regular maintenance, such as oil changes and tire rotations, as well as being proactive about identifying and addressing potential issues before they become major problems.
In summary, car insurance typically does not cover non-accident repairs, but some insurance companies do offer additional coverage options for mechanical breakdowns. It’s important to review your insurance policy and understand what is and isn’t covered, as well as taking steps to keep your vehicle in good working order to minimize the need for non-accident repairs.