Does Car Insurance Cover Non Accident Repairs?
Does car insurance cover non accident repairs? Auto insurance covers non-accident repairs through comprehensive insurance but does not cover damage caused by bad repairs. Car warranties cover non-accident repairs for up to three years but do not cover damage from natural disasters or car accidents.
Did you know that auto insurance covers repairs that are not caused by accident? There are some situations where auto insurance companies can cover your vehicle if you haven’t had an accident.
But does the insurance cover all non-accident-related damage? Our guide explains everything you need to know about what auto insurance companies cover when it comes to non-accident repairs.
Does Car Insurance Cover Non Accident Repairs?
Does car insurance cover non accident repairs? The short answer is yes. Auto insurance companies cover specific non-accident repairs under comprehensive auto insurance.
But how does comprehensive coverage work? Comprehensive auto insurance pays for non-accident repairs that do not involve a collision.
Here is a list of non-accidents covered by comprehensive insurance:
- Damage to animals
- Fire damage
- Vehicle theft damage
- Natural disasters (storms, hail, and floods)
- Falling objects
These events are all examples of non-accidents. Theft and vandalism are intentional while natural disasters are random events that no one can control.
If your car needs repair because of one or more of these situations, your auto insurance company will cover it.
However, your auto insurance company will not repair vehicle damage from normal wear and tear or sudden mechanical failure.
Does Car Insurance Cover Non Accident Related Damage?
It depends on how the damage occurred. If you have comprehensive insurance, your auto insurance company will pay for damages related to non-collision accidents.
Auto insurance companies do not cover damage due to poor repairs, lack of maintenance, or normal wear and tear.
What Does The Car Insurance Cover?
The coverage of car insurance depends on your insurance policy. If you want the minimal coverage option, all you need is auto liability insurance.
Liability insurance covers the cost of bodily injury and property damage to other drivers when you are at fault in an accident.
Meanwhile, the auto collision insurance company pays the cost for property damage regardless of the error.
When you add comprehensive insurance and collision insurance to your auto policy, you have something known as full coverage auto insurance.
However, full coverage auto insurance is more expensive than liability-only coverage.
According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $90 per month.
Sometimes extended coverage offers additional benefits, such as roadside assistance and car rental reimbursement.
What Does Car Insurance Not Cover?
Auto insurance companies do not cover specific situations. Check out the list below for events that auto insurance doesn’t cover.
- Mechanical failures
- Faulty repairs
- Maintenance service or bugs
- Rust damage
Auto insurance doesn’t cover the negligence of drivers, mechanics, or auto repair shops, but you can get help with vehicle costs if you have an auto warranty or mechanical breakdown insurance.
Can a car warranty cover non-accident repairs?
That depends on your situation. Vehicle warranties cover sudden mechanical failures. If your vehicle needs repair, check your car warranty.
New cars have a warranty of up to three years or 36,000 miles, whichever comes first.
Extended warranties give you more time and mileage limits (usually the same amount as a standard car warranty).
But what about mechanical breakdown insurance? Read on to find out how mechanical breakdown insurance covers non-accident repairs.
Does mechanical breakdown insurance cover repairs other than accidents?
Mechanical breakdown insurance (also known as auto repair insurance) provides coverage for non-accident-related repairs.
Here is a list of things covered by auto repair insurance.
- Cooling systems
- Electric systems
- Exhaust pipe
- Fuel systems
- Steering components
But mechanical breakdown insurance does not cover repairs or damage related to a car accident.
The GEICO Mechanical Breakdown Insurance Program is often confused with a GEICO Extended Warranty.
While extended warranties are similar to auto repair insurance, they differ in mileage limits.
What about collision insurance?
While you must have collision insurance to pay for repairs to your vehicle after an accident, you can also claim non-accident-related repairs here.
After all, you can damage your car if you hit a pothole. Technically, this might not be considered an accident, but some companies may help pay for the damage through their accident insurance.
Should You Consider mechanical breakdown insurance?
Some national insurance companies now offer Mechanical Breakdown Insurance (MBI). Also known as auto repair insurance, your insurer may bundle it into a typical auto insurance policy to provide an extra layer of protection. This type of insurance is like a car warranty in that it helps pay for repair costs after a breakdown.
You may be able to purchase mechanical breakdown insurance for relatively new vehicles that are subject to age and mileage restrictions. And once you’ve purchased the MBI, it’s often possible to extend it for several years.
You may have to pay a deductible, but this type of auto insurance covers most mechanical parts. It will usually rule out general wear and tear and routine maintenance, but you can usually take the vehicle to an authorized repair shop of your choice.
When you buy auto insurance, you can add this element to your policy, and the company will treat claims the same as comprehensive or collision. However, adding this coverage will increase your rates. Compare auto insurance quotes from multiple companies if you think MBI might be of value to you.
How Do I Get Coverage For Repairs?
Of course, if you still have a warranty on the car or if any parts are faulty, then you’re good to go. If your warranty has expired, there are other options you should consider ahead of time to help you through times like these so you’re not alone.
Extended warranties are an option from several places that work just like your original warranty and cover repairs to certain parts of the car. These can last several years beyond the manufacturer’s warranty and be of great help if something goes wrong.
Some insurance companies, like Progressive and Geico, also offer “mechanical breakdown insurance” (MBI) or something with a similar name. However, it is important to remember that even these options do not cover all normal wear and tear. Some items on your vehicle are expected to wear out and be replaced by you, the vehicle owner.
Other examples of insurance companies that offer some form of MBI are USAA, which only covers vehicles up to 10 years and 115,000 miles, and AAA, which has no limit on the age or mileage of the vehicle and comes with many additional benefits such as coverage car rental and free battery replacement.
Does Car Insurance Cover Non Accident Repairs: Conclusion
Auto insurance companies cover damage repair through comprehensive coverage.
If the vehicle was damaged in a non-collision accident, your auto insurance company will write a check for the cost of the repair.
Non-accident damage caused by bad repairs, poor maintenance, and normal wear and tear is not covered by car insurance.