What is auto repair insurance?

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Kimiko kidd

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Car breakdown

What is auto repair insurance?

Depending on the coverage you choose, conventional auto insurance can help you if you are the victim of an accident, if your vehicle is stolen, or if it is wrecked by a natural disaster. However, if your car breaks down simply, most insurance won’t help cover the cost of the repairs. Auto repair insurance, also known as mechanical breakdown insurance, can help if you are in trouble. But is this specialized coverage worth it for your wallet? Here are some factors to consider.


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What is covered by auto repair insurance?

Policies may vary, but auto repair insurance typically covers the air conditioning system, cooling system, engine issues, fuel line, exhaust system issues, steering system, and vehicle maintenance. the transmission. It should also cover electrical issues, including those relating to the car’s main computer system.

Keep in mind that you will still have to pay the deductible specified by your insurance policy. For example, if your deductible is $ 300 and the total cost of repairs is $ 1,000, your insurer will pay $ 700. You will pay the first $ 300 of the costs.

What is not covered?

Many problems are not covered by auto repair insurance. This list includes damage from car crashes, normal wear and tear (such as the need for new tires), routine maintenance, and non-mechanical issues, such as paint scuffs, corrosion, and molding damage. of your vehicle. It also won’t cover owner mistakes like using the wrong fluid or fuel in your vehicle.

Plus, it won’t pay for anything covered by a manufacturer’s warranty, a voluntary manufacturer’s recall, or issues that existed before you purchased the coverage.

Eligibility

Not all vehicles are eligible for auto repair insurance. To be eligible, your vehicle will generally need to be below a certain mileage limit. This is typically between 65,000 and 90,000 miles. If you have coverage when your vehicle exceeds your policy’s mileage limit, your auto repair insurance coverage will usually be waived. This can vary from vendor to vendor, so be sure to read the fine print.

For more information on auto insurance, check out these articles.


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