When Does Car Insurance Cover Your Car Repairs?
Car repairs can be very expensive. Knowing when your car insurance will cover them is important if you are paying them out-of-pocket. There are many factors to consider when deciding if your car can be repaired at an auto body shop and how the cost of those repairs will be handled. This blog post will discuss the different circumstances when your auto insurance company may reimburse you for work done on your vehicle so that you know what to expect when making a claim.
This coverage typically comes with a deductible, which you have to pay towards each claim before the policy begins reimbursing for losses. Some car repair insurances also come with protection against mechanical breakdowns and other types of damage caused by events beyond normal wear and tear on your vehicle.
Sometimes, it might be necessary to get an Extended Warranty Coverage policy to ensure that all of your car’s repairs are covered. A Mechanical Breakdown Insurance policy and an Extended Warranty Coverage policy are two different types of insurance. A Mechanical Breakdown Insurance policy will only cover car repairs, while an Extended Warranty Coverage policy will cover other items in addition to car repairs.
What is covered by car insurance?
The specific items covered by car insurance vary from policy to policy. However, most policies typically include coverage for mechanical and electrical failures and damage caused by vandalism or accidents. Policies may also provide some coverage for rental cars if your vehicle needs to be repaired while it is being fixed.
There are several instances when you would be covered for car repairs under your auto insurance policy
If your car’s engine fails due to no fault of your own, your auto insurance policy may cover some or all costs.
Mechanical failures are covered under most policies if the damage occurs during normal use after the manufacturer warranty has expired on new vehicles and during a specific period following vehicle registration for used cars that their owners have not yet paid off.
Accidents or damage from other drivers.
If someone else hits your car and causes damages to occur, then these repairs would typically be covered by your car repair insurance plan, depending upon factors like
If the damage causes electrical failure.
If your car’s electrical system fails due to an accident or damage caused by another driver, then these repairs would typically be covered by your auto insurance policy.
Rental cars during repair time.
Your auto insurance company may reimburse you for the cost of renting a new vehicle while yours is being repaired if they cover rental reimbursement as part of their plan designs. This option will vary depending upon the type of coverage that you have with your provider and whether it includes this benefit or not. If so, there are some important things to know about how rental car benefits work under different policies.
If a tree falls on your car
Trees are often underestimated when it comes to their destructive power. A small branch or even a leaf from a high-up tree can easily damage windshields and other parts of cars if it falls at the wrong time. In some cases, insurance will cover repairs caused by falling trees, but you should always check with your policy provider first to see what is and isn’t covered.
What is not covered by car insurance?
Most policies do not cover the cost of cosmetic repairs, such as repairing a dent or fixing scratches on the paint job. They also will not reimburse you for any rental cars you may need while your vehicle is being repaired. In addition, most policies have a maximum amount they will pay out for each claim, so it’s important to read your policy carefully to see what is and isn’t included in your coverage. Also, when you buy car insurance, they are supposed to send you a document that tells you how much your deductible is.