So you got into a crash and your ride is now suffering from mechanical problems. Or maybe it's time for a new engine because you didn't notice the oil light flickering for the past 20,000 miles (ahem … ). Either way, it's wise to know whether or not your auto insurance policy will help pay for blown engines and other repairs.
how your policy may help cover mechanical repairs
Your ride's internal parts may be able to withstand a lot of wear and tear (and maybe even an accident or 2), but you'll likely need to take it to the shop for repairs at some point during its lifetime.
Auto repairs often aren't cheap — which is why it's good to know that your car insurance policy could help cover the cost of certain mechanical repairs depending on the coverage you carry.
For the damage you can't predict: comprehensive coverage
Let's say a thief gets their paws on your ride and damages the engine, or a vandal tampers with your gas tank and destroys essential components in your car. If you carry comprehensive coverage on your policy, which is usually optional, your ride's mechanical repairs will be covered for mishaps like these and others, including:
- If a falling object damages mechanical components in your ride
- If you accidentally hit a deer and your engine needs repair or replacement
When you purchase comprehensive coverage for your policy, you'll be asked to choose a deductible, which is the out-of-pocket cost you agree to pay in the event of a claim before your auto insurance covers the rest.
For damage inflicted in a crash: collision coverage
Accidents happen, which is why it may be a good idea to carry collision coverage on your auto insurance. It can help pay for your ride's mechanical repairs if you're found at fault in an accident. Just like comprehensive, collision is generally optional and requires that you choose a deductible when you purchase the coverage.
If you're involved in an accident that wasn't your fault and your engine is damaged, the other driver's property damage liability coverage will kick in to repair or replace your car's engine and other mechanical parts.
But what if the other driver is uninsured, you ask? After all, nearly 1 in 8 drivers don't carry the basic liability coverage required by their state. That's why it could be a good idea to carry uninsured motorist coverage on your car insurance — if your state doesn't already require it, that is.
Uninsured motorist property damage coverage can help pay for mechanical repairs if you're involved in a collision with an uninsured driver, but it's important to keep in mind that this coverage is often associated with lower coverage limits (like $5,000, say).
If don't have uninsured motorist coverage on your policy, or if your coverage limits aren't enough to pay for your repair or replacement costs, your collision coverage could step in to provide financial protection once you've paid your deductible.
It's important to note that if you choose not to carry comprehensive and collision coverages on your car insurance policy, you may be financially responsible for mechanical repairs if you need to make a claim.
get reliable repairs with esurance
If you have a policy with Esurance, take advantage of our extensive network of dependable E-Star® repair shops. You can easily search for nearby garages using your ZIP Code, and repairs are guaranteed the entire time you own your vehicle.
If you're looking to join the Esurance family, get your free quote and see how much you could save on your insurance.
does car insurance cover mechanical failure?
Generally, your policy won't cover the failure of your ride's engine or other mechanical parts if the damage is due to wear and tear or general mechanical failure.
So, for example, if your engine suffers damage as part of a manufacturer's recall, or a brittle belt breaks and damages mechanical components in your car, or you accidentally destroy your engine by driving with low oil for an extended period — these are all instances in which you'd usually be financially responsible for repairing your ride.
And it's always a good idea to check if your car's still under warranty — you could save major cash if damaged parts are still covered by the manufacturer.
Myth: "full coverage" covers everything
"Full coverage" can help pay for a lot of mishaps — but it doesn't cover all the hazards the open road throws your way.
Emergency road service coverage
If a car breakdown far from home has left you stranded, this coverage could really save the day.
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