Does car insurance cover repairs?

Car insurance covers repairs if you've been in an accident. But, you'll need the right coverage option to get compensation for repairs. Car repairs that don't involve an accident aren't covered by auto insurance. You can use car repair insurance or a car warranty to get your vehicle repaired. Be prepared to pay at least $200 for a deductible. Shop around and compare multiple companies until you can find coverage for auto repairs.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 21, 2022

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The Highlights

  • Car insurance covers vehicle repairs after an accident
  • Liability coverage covers car repairs for no-fault drivers
  • Your car insurance company won’t cover repairs from mechanical failure or fault maintenance

Did you know your car insurance can cover vehicle repair costs? Auto insurance companies can pay for car repairs under specific situations.

But does car insurance cover repairs from mechanical failure? What about maintenance?

Don’t worry – our guide explains everything you need to know about auto insurance coverage for repairs. Also, we’ll explain why it’s essential to compare car insurance.

Purchasing car repair insurance is one way to help offset the costs that come with replacing major components of your vehicle.

After you’ve learned everything about car insurance coverage for repairs, enter your ZIP code in the free comparison tool above to compare the top companies in your area.

Does car insurance cover repairs?

It depends. Auto insurance companies pay for repairs only if you’ve been in an accident. However, you’ll need the right coverage options to get help.

So what does car insurance cover? Auto insurance covers a vehicle repair when it’s related to an accident.

Liability insurance covers the cost of other drivers’ bodily injury and property damage when you’re at fault in an accident.

If you’re a no-fault driver, the other person’s liability car insurance pays for your bodily injury and property damage costs.

Collision auto insurance provides coverage for repairs after an accident regardless of fault.

Car insurance companies also cover repairs for non-accidents, but you’ll need comprehensive car insurance.

Examples of non-accidents include:

  • Fire damage
  • Vandalism
  • Natural disasters
  • Vehicle theft
  • Damage from an animal
  • Falling objects

Comprehensive insurance covers property damage and repairs from events that don’t involve a collision.

But repairs that don’t have anything to do with accidents or specific non-accident situations aren’t covered by auto insurance.

Does car insurance cover mechanical problems?

If the mechanical issues occur because of an accident, then yes. However, an auto insurance company won’t cover mechanical problems from normal wear and tear or bad repairs.

What does car insurance not cover?

Car insurance companies won’t pay for a driver’s negligence or a mechanic’s negligence.

Any repairs you need outside an accident must be covered by out-of-pocket expenses, mechanical breakdown insurance, or car warranties.

Also, car insurance companies won’t reimburse you for car rentals if your vehicle wasn’t in an accident.

Is mechanical breakdown insurance right for me?

If you’re interested in purchasing additional coverage for your car, it pays to know what you might need and actually use. You can read reviews of your car and what the common repairs might be on websites like Edmunds Consumer Reports Kelley Blue Book It’s also a good to consider whether you can afford a pricey repair, should one come up. If you can, you might not even need MBI coverage. But if paying out of pocket for repairs would strain your finances, then consider buying some sort of coverage.

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Does mechanical breakdown insurance cover repairs?

The short answer is yes. Mechanical breakdown insurance (or car repair insurance) covers specific repairs.

Check out this list of car parts that are covered by car repair insurance.

  • Air conditioning
  • Cooling systems
  • Electrical systems
  • Engine
  • Exhaust
  • Fuel systems
  • Steering components
  • Transmission

If any of these parts are damaged in an accident, mechanical breakdown insurance won’t cover the cost of major repairs.

Your coverage plan will detail exactly which types of repairs are covered and which are excluded for your vehicle.

You’ll need to contact your insurance company. Before mechanical breakdown insurance pays for repairs, you’ll need to pay a deductible.

Most car repair insurance companies have an average of a $250 deductible that needs to be paid.

Compare multiple companies to see if you can locate a cheaper deductible. However, a lower deductible means higher monthly payments.

Do car warranties cover repairs?

Yes, they do. Vehicle warranties cover faulty repairs, recalls, and maintenance errors.

Many people mistake GEICO’s mechanical breakdown insurance for a GEICO extended warranty.

Car warranties last up to three years or 36,000 miles, whichever comes first. If your warranty runs out, you can get a powertrain warranty.

According to the Ford Motor Company, a powertrain warranty lasts for five years or 60,000 miles.

What’s the difference between an extended warranty and mechanical breakdown insurance?

Extended warranties have multiple levels of coverage, but mechanical breakdown insurance focuses on mechanical failure.

Also, mechanical breakdown insurance has a higher deductible, but extended warranties cost more per year.

Car repair insurance can cost at least $30 a year, but extended warranties are about $400 or more per year.

Car Insurance Coverage for Repairs: The Bottom Line

Auto insurance covers a repair that’s related to an accident or a situation where your car is damaged by something you can’t control.

Car insurance companies won’t cover mechanic negligence or faulty car parts that wear down over time.

If you’re worried about expensive repairs and want extra protection, you should consider purchasing a car warranty as, according to Edmunds , they’re designed to help pay for certain mechanical breakdowns

Most auto repairs today are covered by a shop warranty of at least 12 months or 12,000 miles, whichever comes first.

Hopefully, our guide helped you learn more about car insurance coverage for repairs. Use our free online quote tool to compare multiple companies in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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