Understanding Car Insurance for Mechanical Problems

Sep 13, 2023

Car Insurance

Insurance coverage for mechanical problems in car

Car insurance is a crucial aspect of responsible car ownership, providing financial protection against unexpected events such as accidents, theft, and property damage. However, a common question among vehicle owners is whether car insurance covers mechanical problems. While car insurance primarily focuses on accidents and damages, it's essential to understand the scope of coverage for mechanical issues.

Here we’re going to discuss the different types of insurance or coverages for your car:

Basic Car Insurance Coverage

Standard car insurance policies, or liability insurance, are designed to cover bodily injury and property damage you might cause to others in an accident. This type of coverage does not extend to mechanical problems within your vehicle.

Comprehensive Coverage

Comprehensive car insurance covers non-collision incidents like theft, vandalism, and natural disasters. While this coverage is more inclusive, it only covers mechanical breakdowns resulting from wear and tear.

Extended Warranty vs. Insurance

Many car manufacturers and third-party companies offer extended warranties or service contracts that cover mechanical issues after the factory warranty expires. These are separate from car insurance and focus specifically on repairs of parts and systems failure.

Mechanical Breakdown Insurance

Some insurers provide Mechanical Breakdown Insurance (MBI) as an add-on to your policy. MBI covers repairs or replacements of specific mechanical components due to normal wear and tear, like engine or transmission issues. However, this coverage may not be as comprehensive as an extended warranty and might have limitations on covered components.

Regular Maintenance and Wear & Tear

Car insurance generally excludes coverage for maintenance-related expenses. Mechanical problems arising from poor maintenance habits, such as failing to change the oil regularly or ignoring warning signs, would likely not be covered.

Roadside Assistance

While not a direct coverage for mechanical problems, many insurance policies also offer roadside assistance as an add-on. It can help with minor mechanical issues like a dead battery, flat tire, or running out of fuel.

Expert Opinion and Documentation

If a mechanical problem leads to an accident, the cause of the issue becomes relevant for insurance claims. An expert assessment and proper documentation might be necessary to establish whether a covered incident caused the problem.

Regular Insurance vs. Commercial Use

If you use your vehicle for commercial purposes, it's essential to understand that regular car insurance might not cover mechanical breakdowns during business activities. Commercial auto insurance policies might be more suitable in such cases.

Insurance That Suits Your Needs at Abatelli Insurance

When understanding the complexities of car insurance, it's advisable to consult professionals specializing in insurance services. If you're looking for comprehensive coverage options, expert advice, and tailored solutions, Abatelli Insurance can help. Contact us today to explore the best insurance options that suit your needs and protect you on the road. You can also call us at (718) 352-6000.