Does Car Insurance Cover Repairs

You drive, happy go-lucky, maybe even whistling in the slightest. Then you hear the explosion. Huh, you think, manufacturers really contemporary music draws inspiration from a wide range of sound lately.

Then you realize that your car is slowed down in the middle of the road, and no matter how hard you step on the gas, it will not accelerate. As you sit in your car, other drivers honking, you wonder-will this be covered by my car insurance?

Unfortunately for this imaginary You, maybe not. Most types of car insurance – including type of States require such as liability insurance, personal injury protection, and insurance of motor vehicles that are not insured does not cover routine repairs. In addition, not all car insurance companies offer products that include mechanical failure at random.

Car insurance is not designed to cover regular wear and tear happens to cars during normal use. It is intended to cover many of the accidents and medical bills. Generally, expected part of owning a car means could pay for goods such as gas and repairs routine.

However, there are several different types of car insurance can help you cover repair activity that is not a full car accident, per se. Collision and comprehensive insurance is a product of popular car insurance that protects you from the two scenarios Addendum:

Collision protects you if your car collided with another vehicle in addition to other movers. Collision insurance will cover damage to your car and Your property at. For example, if you lose control of the car while fiddling with the radio and hit the pillar of a traffic collision, insurance will cover up the accident.

Comprehensive insurance covers some of the damage is not related to the collision, such as damage to objects, fire, certain natural disasters, and vandalism. It also covers theft, breakage of glass, and damage from hitting the animal. For example, a cougar falling off a cliff and into your car. Comprehensive should cover it because
a) you hit an animal and
b) there is damage from falling objects.

Some car insurance companies offer this type of insurance called Mechanical Breakdown Insurance (specific name may vary from one company to another company, but the details remain the same).

Mechanical Breakdown Insurance extends and complements Your car warranty, and can help you manage your expenses out-of-pocket randomly, like anything that happens on Your imaginary back in the first paragraph.

You might also be surprised by how much Your car is covered under the warranty. My dad had just learned that the battery power of her Honda Civic Hybrid is still covered by warranty – nine years after he bought the car.

You can also purchase a warranty extension if you intend to maintain the car until the end of his life. If you buy a new car, talk to the dealer about Your warranty options.