When you ask, “Can car insurance cover repairs,” the answer depends on the type of coverage you have. Standard car insurance policies may cover repairs in certain situations, but not for general wear and tear or routine maintenance. Here’s what you need to know about how car insurance can help with repair costs:
1. Collision Coverage
This type of insurance covers repairs if your car is damaged in a collision with another vehicle or object, regardless of who is at fault. For instance, if you hit a tree or rear-end another car, collision coverage will help pay for the repairs to your vehicle, but you’ll need to pay your deductible first.
2. Comprehensive Coverage
Comprehensive coverage helps cover the cost of repairs due to non-collision events like vandalism, theft, natural disasters (hail, floods), and even damage caused by animals. If your car is damaged in a hailstorm or a falling tree branch dents your hood, comprehensive coverage will step in.
3. Mechanical Breakdown Insurance (MBI)
MBI is an optional coverage that some insurers offer, which covers mechanical failures not related to accidents, like engine or transmission issues. However, MBI is typically available only for newer cars with lower mileage.
4. What’s Not Covered?
Standard car insurance does not cover repairs for regular wear and tear, like oil changes, brake pad replacements, or rust. Similarly, intentional damage and repairs from racing or off-road driving are excluded from most policies.
5. Uninsured Motorist and Gap Coverage
If you’re involved in an accident with an uninsured or underinsured driver, uninsured motorist coverage can help cover repair costs. Additionally, if you have a loan or lease on your car, gap insurance can cover the difference between the value of your car and what you still owe if it’s totaled in an accident.
FAQ
- Can car insurance cover non-accident repairs?
- Yes, comprehensive coverage can cover non-accident repairs caused by theft, vandalism, or natural disasters, but not routine maintenance.
- What does collision insurance cover?
- Collision insurance covers repairs to your vehicle after an accident with another car or object, regardless of who is at fault.
- Is wear and tear covered by car insurance?
- No, car insurance generally doesn’t cover regular wear and tear, such as brake replacements or oil changes.
- What is mechanical breakdown insurance (MBI)?
- MBI covers mechanical issues like engine or transmission problems, but it’s typically available only for newer vehicles.
- Does uninsured motorist coverage pay for repairs?
- Yes, uninsured motorist coverage can help pay for repairs if you’re hit by a driver who doesn’t have insurance(
