Does Car Insurance Cover Car Repairs
Drivers often wonder if car insurance covers a cracked windshield.
Does car insurance cover car 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. The coverage you have from your primary car insurance should cover a rental vehicle. But a basic auto insurance policy doesn t typically cover the cost of mechanical repairs unless they are an immediate result of a collision. Does car insurance cover repairs.
Does car insurance cover breakdown repairs. Warranties and car repair insurance both cover mechanical defects in the engine transmission and electronics including a car s computer. Does my car insurance cover rental cars. Car repair insurance or mechanical breakdown coverage is available from a few insurance companies such as geico and mercury insurance.
However if a repair is needed because you got into a car accident or due to another covered peril like for damage from a hailstorm your car insurance will pay for the repairs depending on your auto policy. Adding this coverage to your car insurance can save you from bearing the cost of major repairs like a blown engine or transmission on your own. However there are options like mechanical breakdown insurance and aftermarket warranties that can protect you against these repair costs. Car insurance policies do not cover repairs for normal wear and tear such as oil refills or fixing your brakes.
Though every car insurance policy is different they don t typically cover non accident or ordinary repairs. But repairs for routine wear and tear or mechanical breakdowns are typically not covered by an auto insurance policy. According to the balance windshields can crack for a variety of reasons whether it s from debris on the road storm damage or. If you cause an accident while driving the rental car your liability insurance would pay up to your policy limits for the damages done to other cars or property.
If you were in an accident with another car or some other unforeseen incident caused damages to your transmission then the repairs may be covered by comprehensive or collision insurance. Car insurance doesn t cover the cost of regular repairs or maintenance.