When your car suddenly starts making that strange clunking sound, your first thought might be, “Does car insurance cover repairs?” It’s a question that many drivers face when unexpected car troubles arise. The answer isn’t always straightforward. Car insurance policies can feel like a maze of coverage options, exclusions, and fine print.
So, let’s break it down and see when your insurance can help with repairs, when it won’t, and what options you might not even know you have.
What Does Standard Car Insurance Cover for Repairs?
Before diving into the details, it’s important to understand that not all car insurance policies are created equal. The type of coverage you have plays a huge role in whether repairs are covered.
To make it easier, here’s a quick comparison of what each type of car insurance typically covers—and what it doesn’t:
| Type of Coverage | What It Covers | What It Doesn’t Cover |
| Liability Insurance | Damages to other people’s vehicles/property | Repairs to your car |
| Collision Coverage | Repairs to your car after an accident (collision with car/tree) | Mechanical failures, routine maintenance |
| Comprehensive Coverage | Theft, vandalism, natural disasters, animal collisions | Engine failure, transmission problems (unless caused by covered event) |
Now that you’ve seen the breakdown, let’s dive deeper into how each of these coverages works in real-world situations.
Does Liability Insurance Cover Car Repairs?
Liability insurance is the most basic coverage, and it’s required by law in most states. But here’s the thing: liability insurance doesn’t cover repairs to your car. It only covers damages you cause to someone else’s vehicle or property. So, if you back into a mailbox, your insurance will cover the mailbox—not your bumper.
How Collision Coverage Pays for Car Repairs
Moving beyond the basics, collision coverage steps in when your car is damaged in an accident, whether you hit another car, a tree, or even a pothole. This type of insurance will cover the cost of repairs to your car, minus your deductible. But it won’t cover mechanical failures or routine wear and tear.
What Car Repairs Are Covered by Comprehensive Insurance?
For everything outside of collisions, comprehensive coverage has your back. It handles non-collision events, like theft, vandalism, or damage from natural disasters. If a tree limb falls on your car during a storm, comprehensive insurance will cover the repairs. But if your engine suddenly stops working for no apparent reason? That’s a different story.
What Car Repairs Are Covered by Insurance?
Now that we’ve laid out the types of coverage, let’s dive deeper. When exactly does your car insurance kick in to cover repairs? Understanding this can save you a lot of stress when unexpected issues arise.
Does Car Insurance Cover Repairs After an Accident?
If you’re in an accident, whether it’s your fault or not, your collision coverage can help pay for repairs to your car. This includes damage from hitting another vehicle, a stationary object, or even rolling your car. For example, if you misjudge a turn and scrape the side of your car against a pole, collision coverage will help cover the repair costs.
What Non-Accident Car Repairs Are Covered by Insurance?
Of course, not all car troubles happen on the road. This is where comprehensive coverage steps in, protecting you from unexpected events beyond your control:
- Theft or vandalism – If your car gets keyed or stolen.
- Weather-related damage – Hailstorms, floods, or falling objects.
- Animal collisions – If you hit a deer on one of those scenic Arkansas backroads.
But here’s the catch: mechanical issues like engine failure or transmission problems aren’t covered unless they’re directly caused by one of these events.
What Car Repairs Are Not Covered by Insurance?
While insurance can cover many unexpected situations, it’s just as important to know where it falls short. Let’s take a closer look at the repairs your policy won’t cover, so you’re not caught off guard.
Does Car Insurance Cover Routine Maintenance or Wear and Tear?
Your insurance doesn’t cover regular maintenance or parts that naturally wear out over time. This includes things like:
- Oil changes
- Brake pads
- Tire rotations
- Battery replacements
Think of it this way: insurance is for sudden, unexpected events—not everyday upkeep. Keeping your car in good shape is your responsibility.
Will Insurance Cover Mechanical Failures or Breakdowns?
This is a common misconception. If your engine blows or your transmission fails, standard car insurance won’t cover the repairs. These are considered mechanical issues that happen due to wear and tear or manufacturer defects.
Common Myths About Car Insurance Repairs
There’s a lot of confusion around what car insurance does and doesn’t cover. Let’s clear up some of the most common myths to help you avoid surprises when you need repairs.
Myth 1: “Full coverage means all repairs are covered.”
Fact: Full coverage sounds comprehensive, but it doesn’t include repairs for mechanical issues or routine maintenance like oil changes, brake pads, or engine failures due to wear and tear.
Myth 2: “Insurance will pay for repairs if my car breaks down unexpectedly.”
Fact: Standard auto insurance doesn’t cover breakdowns unless they’re caused by an accident or covered event like a flood or vandalism. For unexpected mechanical failures, you’d need Mechanical Breakdown Insurance (MBI) or an extended warranty.
Myth 3: “If I have an accident, insurance will cover all damages.”
Fact: Insurance covers damages related to the accident, but if the accident exposed a pre-existing mechanical issue, that part won’t be covered. It’s essential to understand the specifics of your collision and comprehensive coverage.
What is Mechanical Breakdown Insurance (MBI) and How Does It Help?
So, if standard insurance doesn’t cover mechanical issues, what can you do? That’s where Mechanical Breakdown Insurance (MBI) comes in.
How Does MBI Work?
MBI is like health insurance for your car’s mechanical parts. It covers repairs for things like:
- Engine and transmission problems
- Brake system failures
- Electrical system issues
It’s a lot like an extended warranty, but it’s offered by insurance companies instead of car manufacturers or dealers. Companies like GEICO and Allstate offer MBI policies, and they can be a lifesaver when big repairs come up.
What Car Repairs Are Covered by Mechanical Breakdown Insurance?
While policies vary, MBI typically covers major mechanical components, such as:
- Engine and transmission
- Drive axles
- Steering components
- Air conditioning and heating systems
However, just like with other types of insurance, MBI doesn’t cover routine maintenance or wear and tear items.
Is Mechanical Breakdown Insurance Worth It for Your Car?
As cars become more advanced, repair costs continue to rise. According to Kelley Blue Book, consumers now spend an average of $548.32 fixing their cars. That’s a significant expense, especially if you’re dealing with multiple repairs over time.
This is where MBI proves valuable. The Mechanical Breakdown Insurance market was valued at $2.42 billion in 2023, highlighting its critical role in protecting consumers against costly repairs due to mechanical failures outside of the manufacturer’s warranty.
Still unsure if Mechanical Breakdown Insurance is right for you? Here’s a quick look at the pros and cons to help you decide:
|
Pros of Mechanical Breakdown Insurance (MBI) |
Cons of Mechanical Breakdown Insurance (MBI) |
|
Covers major mechanical repairs |
Doesn’t cover routine maintenance |
|
More affordable for newer cars |
Might not be cost-effective for older vehicles |
|
Provides peace of mind against unexpected costs |
May have limitations on specific repairs |
If your vehicle is relatively new and outside its warranty, MBI might save you hundreds—if not thousands—in unexpected repair costs. For older cars, it’s worth comparing the cost of the policy to potential repair expenses to see if it’s a smart financial decision.
Can Car Insurance Cover Repairs for Mechanical Failures?
This is where things get tricky. Can car insurance cover repairs for mechanical failures? The answer is usually no—unless the failure was caused by something your policy covers.
When Does Car Insurance Cover Mechanical Failures?
Let’s look at some specific scenarios where your insurance might help:
- Accidents: If your engine is damaged in a crash, your collision coverage will likely cover it.
- Floods or Fires: If water damage from a flood ruins your engine, comprehensive coverage will step in.
- Vandalism: If someone tampers with your car and causes mechanical damage, that’s usually covered under comprehensive insurance.
When Does Insurance Not Cover Mechanical Failures?
However, if your engine dies from old age or lack of maintenance, insurance won’t cover it. Similarly, if your transmission gives out from years of use, that’s on you.
How to Get Car Insurance to Cover Repair Costs
If you think your insurance should cover a repair, here’s how to improve your chances of getting a claim approved.
Document Everything
Take photos of the damage, gather receipts, and keep a detailed record of what happened. The more evidence you have, the better.
Understand Your Policy
Knowing what your policy covers—and what it doesn’t—will help you argue your case. If you’re unsure, call your insurance agent for clarification.
Be Honest
Don’t try to stretch the truth when filing a claim. Insurance companies investigate claims carefully, and dishonesty can lead to denied claims or even policy cancellations.
Does Car Insurance Cover Repairs? Key Takeaways You Should Know
So, does car insurance cover repairs? The short answer is: it depends on the type of repair and your coverage. Collision and comprehensive policies will help with accident-related and non-collision damage, but they won’t cover routine maintenance or mechanical failures. For that, mechanical breakdown insurance might be the solution.
At Cribb Insurance Group Inc here in Bentonville, AR, we believe in giving our clients the knowledge they need to make informed decisions. Understanding your insurance options is key to avoiding surprises when car troubles arise. If you’re unsure about your coverage or want to explore options like MBI or auto repair insurance coverage, we’re here to help. Let’s make sure you’re covered for whatever the road throws your way.
Frequently Asked Questions
Does full coverage insurance cover engine failure?
No, full coverage insurance typically doesn’t cover engine failure unless it’s caused by an accident or a covered event like flooding.
Can car insurance pay for repairs after a breakdown?
Standard car insurance won’t cover repairs after a mechanical breakdown. You’d need mechanical breakdown insurance or an extended warranty for that.
Does insurance cover a blown engine?
Insurance may cover a blown engine if it’s due to an accident or a covered event, but not from wear and tear or mechanical issues.
What is mechanical breakdown insurance?
Mechanical breakdown insurance (MBI) is an optional policy that covers repairs for major mechanical failures, like engine or transmission issues, that aren’t caused by an accident.
Does car insurance cover transmission repairs?
Transmission repairs are only covered if the damage results from an accident or covered incident. Otherwise, standard policies won’t cover mechanical failures.
Ready to Review Your Coverage?
If you’re still wondering whether your car insurance covers repairs, or if mechanical breakdown insurance is right for you, Cribb Insurance Group Inc in Bentonville, AR is here to help. We specialize in finding the right coverage for your needs, whether it’s protecting your car from accidents, breakdowns, or unexpected surprises. Contact us today to make sure you’re fully protected—because peace of mind is the best insurance you can have.