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Is My Car Repair Covered By Inurance
Car Repairs can be expensive, so it’s important to understand whether your Auto Insurance will cover them. Let’s explore the scenarios when repairs are typically included in your coverage!
Types of Coverage Relevant to Repairs
- Liability Insurance
- Covers damages if you are at fault in an accident, but only for the other party’s vehicle, not your own.
- Collision Insurance
- Covers repairs to your vehicle following an accident, regardless of who is at fault.
- Comprehensive Insurance
- Covers damages from events not related to accidents, such as theft, adverse weather, or collisions with animals.
- Uninsured/Underinsured Motorist Insurance
- Provides coverage for repairs if your car is damaged by a driver who lacks sufficient insurance.
- Mechanical Breakdown Insurance (MBI)
- An optional add-on that covers specific mechanical repairs.
When Are Repairs Covered?
Repairs are commonly covered in the following situations:
- Accidents
- If you have Collision Insurance, Repairs to your vehicle should be covered after you pay your deductible.
- Weather Damage
- Comprehensive Insurance protects against damage from weather events, fallen trees, floods, and more.
- Theft or Vandalism
- Repairs resulting from theft or vandalism are also covered under comprehensive Insurance.
- Animal Collisions
- Collisions involving animals, such as deer, are typically included in comprehensive coverage.
- Uninsured Drivers
- Uninsured/underinsured motorist coverage assists with repairs if another driver lacks adequate insurance.
When Are Repairs Not Covered?
Certain repairs are not covered by insurance, including…
- Routine Maintenance
- Oil Changes, Tire Rotations, and Brake Pad Replacements are your responsibility.
- Wear and Tear
- Tires, Batteries, and other components that wear out are not covered.
- Mechanical Failures
- Engine Breakdowns or Transmission issues are not covered unless you have Mechanical Breakdown Insurance (MBI).
What should you do next???
If you believe a Repair might be covered, review your policy, reach out to your insurer, and obtain an estimate. Understanding your coverage can save you time and help you prepare for any out of pocket expenses!
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