Does Car Insurance Cover Mechanical Problems?

Electrical or mechanical problems occur without warning. However, they arise due to the deterioration of the machine's internal parts because of regular use. The reason is wearing and requires repair work or replacement of the components. Car insurance policies do not provide cover for such damages.

Different types of insurance offer coverage for various insured events, including accidents, fire, theft, vandalism, storm, etc. A quick comparison of the coverage and premium costs can help the driver make an informed decision. A comprehensive car insurance policy covers most of the damage caused to the car during an unforeseen event. However, this all-inclusive insurance does not cover mechanical problems.

The car owner can use the warranty provided by the manufacturer to cover this repair cost if the vehicle is damaged within the warranty period. Otherwise, they have to pay for it. Let us help you understand how the insurer differentiates between damage due to unforeseen events and mechanical problems.

Does Car Insurance Cover Mechanical Problems?

No, your car insurance will not cover mechanical problems even if you purchase comprehensive insurance. It covers the damage caused to your car in an unforeseen event and the other person's car in case of an accident. Mechanical problems like engine failure are covered by car insurance only if it occurs because of an accident, flood, fire or vandalism.

So, if your car breaks down in the middle of the road or you witness smoke billowing from the hood, you are on your own. Get your vehicle serviced regularly and check for wear and tear signs like loud noise while starting the engine to stay safe. You must check for corrosion of the parts and condition of the tyres, seat covers and belts to ensure the vehicle is roadworthy.

You can reduce your anxiety and trouble during a mechanical breakdown by adding extras like roadside assistance that provides a towing facility. However, you will still have to pay for the repair bill unless the car is within its warranty period.

How do Insurers Differentiate Between Unforeseen Events and Mechanical Problems?

The car insurance policy inclusions are only for insured events explained in the product disclosure statement. The car owner must carefully read it before buying the insurance because it does not cover electrical and mechanical failures. The car can break down suddenly on the road and cause an accident that damages your car and others who collide with it.

In this case, you might want to make a claim and recover the cost of damages. However, the insurer will likely reject the claim because they will investigate the cause of the accident. It will not take time to understand that the car's machinery was at fault and that the driver should not have driven on the road in this condition.

Thus, it is best to keep your vehicle well-maintained and checked by mechanical experts regularly. It helps avoid costly repair work and the risk of getting into an accident.

How to Get Cover for Mechanical Problems?

The best way to ensure cover for mechanical and electrical damage after the warranty period is over is to get an extended car warranty. It is essential if you are buying a used car because it can lead to wear and tear problems quickly. The extended warranty insurance helps to extend the warranty term after the manufacturer's warranty expires.

It should be purchased when the car is bought, and you must check for the inclusions and the insurance term. Usually, this type of insurance limits the number of small claims the driver can make. So check the limit and know what is covered. Many insurers do not cover the exhaust system or wear and tear issues. So, it is vital to read all the clauses before buying extended warranty insurance.

Make sure you choose the insurance provider after checking their reputation and online reviews. You can speak to their customers and understand the quality of service provided by the company. Buying an extended car warranty gives you the advantage of reducing the expense of replacing expensive subparts and getting them repaired. It is highly beneficial in the case of premium cars.

Wrapping Up

Mechanical problems are inevitable with the long-term use of the vehicle. It is significant to understand that the cost of damage due to wear and tear is not covered by car insurance. However, you can buy extended warranty insurance to stay protected in case of a breakdown.