You'll be covered for some non-accident repairs under comprehensive insurance, but your insurance won't kick in for regular wear-and-tear repairs.
So what happens when your dependable car sputters to a stop and won’t restart, or when a warning light flashes on the dash? And what about when you don't hit a car, but hail damages your car?
What non-accident repairs does car insurance cover?
Basically, comprehensive coverage covers unexpected incidents not involving a collision with another vehicle or object. Some common things comprehensive coverage will cover include:
Does car insurance cover wear and tear?
You're covered for many non-accident repairs if you have comprehensive coverage, but even that car insurance won't cover wear and tear repairs.
Wear and tear repairs are any repairs that need to be done as a result of regular maintenance on your vehicle. Simply put, cars break down over time on their own and need fixing. So, does your car insurance cover wear and tear repairs when your Check Engine light comes on?
We are expected to be able to pay for these as they are considered "expected expenses" in the insurance realm. After all, insurance companies are technically there to help when the unexpected happens, not the expected.
How do I get covered for repairs?
Extended warranties are an option from various places that act just like your original warranty, covering repairs for certain parts of the car. These can go out several years past your factory warranty and be a big help when something goes wrong.
Other examples of insurance companies who offer some type of MBI include USAA, which will only cover vehicles up to 10 years old and 115,000 miles, and AAA, which actually has no limit on the vehicle’s age or mileage and comes with many additional perks like car rental coverage and free battery replacement.
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