{"id":4971,"date":"2024-11-10T19:12:27","date_gmt":"2024-11-11T03:12:27","guid":{"rendered":"\/wp-site\/?p=4971"},"modified":"2025-02-19T10:12:41","modified_gmt":"2025-02-19T18:12:41","slug":"insurance-repairs-coverage","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/insurance-repairs-coverage\/","title":{"rendered":"Does Car Insurance Cover Repairs?"},"content":{"rendered":"\n

If you\u2019ve had your car for several years, it will likely need maintenance such as an oil change or new tires. These expenses can cost hundreds of dollars, so you might wonder if your auto insurance coverage will cover any of the burden.<\/p>\n\n\n\n

Does car insurance cover repairs?<\/h2>\n\n\n\n

A standard full-coverage car insurance<\/a> policy, which typically includes liability, collision and comprehensive insurance, covers repairs associated with an accident, natural disaster, theft or vandalism. If your car breaks down on its own, the repairs usually won\u2019t be covered by your insurance provider.<\/p>\n\n\n\n

Repairs covered by your car insurance policy <\/h3>\n\n\n\n

While there are a number of policies available, there are four main insurance coverages that will protect your vehicle:<\/p>\n\n\n\n

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  1. Liability. <\/strong>Liability coverage pays for damage and medical expenses for others after an accident you cause, but it will never provide coverage to pay for your vehicle repairs. That\u2019s why a full-coverage policy is always best when it comes to ensuring your repairs could be handled as part of a covered claim.<\/li>\n\n\n\n
  2. Collision.<\/strong> Collision insurance pays out to repair damage to your vehicle from a car accident. It also covers costs to fix your car if you hit an object like a mailbox or a tree.<\/li>\n\n\n\n
  3. Comprehensive. <\/strong>Comprehensive insurance covers repairs from most other scenarios that aren\u2019t a car accident. This includes damage from vandalism, fire, hitting an animal, theft, flood and other weather-related incidents.<\/li>\n<\/ol>\n\n\n\n

    Uninsured and underinsured motorist property damage (UMPD\/UIMPD). <\/strong>UMPD and UIMPD pay out if you\u2019re hit by a driver who doesn\u2019t have car insurance or enough insurance to pay for your vehicle repairs. However, this type of coverage is not available in all states.<\/p>\n\n\n\n

    What’s Covered by Insurance?<\/h3>\n\n\n\n
    WHAT’S COVERED?<\/td>COMPREHENSIVE COVERAGE<\/td>COLLISION COVERAGE<\/td>UNINSURED MOTORIST PROPERTY DAMAGE<\/td><\/tr>
    Personal Crash Damages<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Theft\/Vandalism<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Animal Crashes<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Severe Weather<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Windshield Repairs<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Wear and Tear<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Tire Replacement<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Oil Changes<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Hit-and-Run<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr>
    Engine Failure
    (if result of a crash)<\/td>    		\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td>\"\"fetchpriority=\"low\"<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Uninsured motorist property damage<\/a> (UMPD) is not available in about half the U.S. states.\u00a0<\/p>\n\n\n\n

    In addition to the basic liability and physical damage coverages provided by a full-coverage policy, you\u2019ll also have the option to add perks like roadside assistance, full glass coverage, and custom parts and equipment coverage to pay for unexpected expenses.\u00a0<\/p>\n\n\n\n

    Mechanical breakdown insurance (MBI) vs. extended warranty<\/h2>\n\n\n\n

    While most car insurance policies won\u2019t insure against repairs caused by regular wear and tear, some companies offer a product called mechanical breakdown insurance, or MBI.<\/p>\n\n\n\n

    Mechanical breakdown insurance is an add-on that plays a similar role to an extended warranty or vehicle service contract. It covers mechanical failures not covered by your original manufacturer\u2019s warranty or insurance. MBI coverage is typically a cheaper alternative to an extended warranty, but it comes with more limits. For example, MBI coverage is typically available only for new cars, and maintenance isn\u2019t included. <\/p>\n\n\n\n

    The main difference between MBI coverage and an extended warranty is cost. Extended warranties can cost 10 times as much as MBI for initial costs alone, and the added investment doesn\u2019t typically pay off. <\/p>\n\n\n\n

    Other coverages to add to your policy<\/h2>\n\n\n\n

    There is no single policy that will cover all types of repairs on your vehicle, but there are several coverage options and alternative solutions that can help you curb overall repair costs, such as:<\/p>\n\n\n\n