Does my car insurance cover damage caused by a manufacturer’s defect?

If you believe your car has a manufacturing defect that led to some damage, you may wonder who is responsible. Does car insurance cover damage caused by a manufacturer’s defect? Is it possible to claim against your car insurance coverage for this scenario?

We understand this can be confusing, so we have researched for you and answered the question below.

Car Insurance Won’t Cover Damage Caused by a Manufacturer’s Defect

You cannot claim against your car insurance if you suspect that a manufacturer’s defect caused damage to your vehicle. Your car insurance policy will not cover mechanical damage, and you should turn to your vehicle warranty for guidance.

However, if you have mechanical damage due to an accident, you can claim if you have a collision or comprehensive insurance policy in place. If another driver caused the accident, their liability coverage should pay for your bodywork and mechanical repairs.

Who Pays for Damages Caused by Manufacturer Defect

If you can prove that your vehicle has a manufacturing defect, you may be able to pursue the company that made the car. Vehicle manufacturers often have liability insurance coverage in these situations.

If you have a manufacturer’s warranty (or extended warranty), refer to the details for coverage and exclusions. You may be able to claim for mechanical damage, over and above any wear and tear.

Insurance Will Only Pay for Non-accident Repairs if You Have the Correct Coverage

You may ask, “Does car insurance cover non-accident repairs?” Unfortunately, your insurance will not cover mechanical damage unless it’s due to a covered peril, such as an accident. In this case, you will need optional collision or comprehensive coverage. Your liability coverage will not pay for repairs.

If you have leased your car, the leasing company may have insisted that you remove these optional protection layers. For more information about this type of coverage, research comprehensive car insurance coverage. Remember that you must consider your deductible whenever you make a claim.

You Might Want To Buy Mechanical Breakdown Insurance

Some companies may offer this type of insurance, also known as MBI. For further information, you can research different types of car insurance coverage.

Case Studies: Exploring Car Insurance Coverage For Manufacturer’s Defects

Case Study 1: Car Insurance and Manufacturer’s Defects

John, a car owner, suspects that damage to his vehicle is caused by a manufacturer’s defect. He wants to understand if his car insurance covers such damages and how he should proceed. This case study explores the implications of a potential manufacturer’s defect and its impact on car insurance coverage.

Case Study 2: Pursuing the Manufacturer For Damages

Sarah believes that her vehicle has been damaged due to a manufacturer’s defect. She is interested in holding the manufacturer responsible and wants to know if they have liability insurance coverage. This case study delves into the process of pursuing a manufacturer for damages caused by defects and the potential insurance implications.

Case Study 3: Non-Accident Repairs and Car Insurance

Michael requires repairs for non-accident-related damages to his car. He wonders if his car insurance will cover these repairs and if he needs additional coverage. This case study examines the coverage limitations of car insurance for non-accident repairs and discusses the importance of optional coverage options.

Car Insurance Won’t Cover Damage Caused By a Manufacturer’s Defect

Your car insurance will not cover mechanical damage caused by a manufacturer’s defect. Therefore, you will need to pursue the manufacturer directly if you believe they are liable.

However, if you sustain mechanical damage in an accident, you can claim if you have comprehensive or collision coverage. You can also claim against the other driver’s liability coverage if they were at fault.