Does Car Insurance Cover Repairs?

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The provision of repair coverage by your auto insurance is contingent on the cause of the repairs. If your vehicle necessitates maintenance or regular wear and tear repairs, your auto insurance will not cover these. A typical auto insurance policy provides coverage if you’re involved in an accident or if your car sustains damage from covered incidents like theft, hailstorm, or vandalism.

Does Car Insurance Cover Repairs?

If you find yourself needing to perform routine repairs or maintenance tasks such as brake adjustment, oil change, or engine tuning, these costs will be borne by you unless the repair is directly resulting from an event covered in your car insurance policy. 

However, there exists another form of auto insurance designed to cover ordinary repairs. This type of insurance is referred to as Mechanical Breakdown Insurance or simply car repair insurance.

Insurance for Mechanical Failures

It’s necessary to talk to a car accident attorney about obtaining car insurance, though a minimum coverage. Some insurers offer mechanical breakdown insurance, which assists in covering the expenses of certain routine repairs. This kind of insurance is not required by law in any states and doesn’t usually form part of a standard car insurance policy. 

The coverage is typically offered for new cars or those with lower mileage. However, high-value vehicles like Teslas may not be included in this policy. Insurers providing this plan will insist that your car be repaired at an authorized workshop. In line with regular insurance policies, you must pay a deductible before the insurance company starts covering the costs. Some repairs are not covered, subject to the specific insurer’s terms.

What are the Various Insurance Coverages that Include Repair Costs?

Collision Coverage

Collision coverage is a form of auto insurance that assists in paying for your vehicle’s repairs if it suffers damage from colliding with another vehicle or object, irrespective of who caused the accident. If you hit another car from behind or encounter a stationary object such as a tree or a lamppost, your collision coverage will be activated to handle your vehicle’s repair expenses. However, keep in mind that generally, you’ll need to pay a deductible before your insurance coverage begins.

Comprehensive Coverage

Comprehensive insurance is designed to cover a broad spectrum of events beyond just collisions. This encompasses damage resulting from fire, objects falling, wildlife, vandalism, and acts of nature. 

A frequently asked question is whether insurance covers hail damage. The answer is affirmative – comprehensive insurance does indeed cover hail damage to your car, whereas other forms of auto insurance do not. Remember that comprehensive insurance solely protects your vehicle. Therefore, the coverage limit, or the highest amount the insurance firm will reimburse for repairs, is anchored on your car’s worth.

Full Coverage

The interpretation of “full coverage insurance” can vary based on your insurance company, but it generally implies a mix of liability, comprehensive, and collision insurance. This is the most expensive insurance option available. However, it provides the greatest security in case of any accident or harm to your vehicle due to uncontrollable incidents.

What Isn’t Covered

Car insurance plans typically cover damages resulting from accidents or unforeseen incidents, but do they cover repairs under different circumstances? Generally, the answer is negative. Essential repairs arising from inadequate maintenance, routine wear and tear, corrosion, rust, or pre-existing conditions on the vehicle are not covered by any form of car insurance. Unless you specifically opt for car repair insurance, you shouldn’t count on coverage for mechanical breakdowns as well.


Car insurance is a crucial safeguard for vehicle owners, offering monetary security in the event of accidents or damages. The primary protections that cater to repair costs encompass collision coverage, addressing damages from impacts with other vehicles or objects, and comprehensive coverage, which shields against incidents not related to collisions. Nonetheless, be aware of the exceptions and restrictions, such as deterioration over time, deliberate damage, and incidents occurring off-road, which may not fall under the coverage.