Does Car Insurance Cover Repairs?

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Your auto insurance’s provision of repair coverage 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 need to perform routine repairs or maintenance tasks such as brake adjustment, oil change, or engine tuning, you will bear the costs unless the repair directly results from an event covered in your car insurance policy. 

However, another form of auto insurance is designed to cover ordinary repairs. This type of insurance is called Mechanical Breakdown Insurance or car repair insurance.

Insurance for Mechanical Failures

Talking to a car accident attorney about obtaining car insurance, though a minimum coverage is necessary. Some insurers offer mechanical breakdown insurance, which assists in covering the expenses of certain routine repairs. This kind of insurance is not legally required in any state and isn’t usually 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 wide spectrum of events beyond collisions. This encompasses damage resulting from fire, falling objects, 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.

FAQs About Car Insurance Coverage

Does Car Insurance Cover Oil Changes?

According to the National Association of Insurance Commissioners, car insurance policies do not cover routine maintenance tasks like oil changes. It’s important to note that if your vehicle experiences a mechanical failure, a blown engine, or any other similar issue, your policy will unlikely cover the costs of repairing or replacing it.

Will Car Insurance Cover Repairs if You are at Fault?

In case of an accident, the insurance policy of the person responsible will cover the damages. However, suppose you were the one who caused the accident. In that case, your liability coverage will pay for the damages caused to the other car, including the medical expenses of the passengers in the other car if injured. It is important to note that liability coverage does not cover damages to your car. To cover damages to your own car, you will need collision coverage, which will pay for the repair cost after you pay the deductible.

Does Car Insurance Cover Gearbox Failure?

Car insurance policies usually exclude coverage for repairing or replacing a gearbox. Gearbox damage is typically classified as a mechanical breakdown and is not considered to be a result of an accident or other covered incident. Therefore, if your car’s gearbox malfunctions, you will likely need to cover the repair or replacement costs yourself.

What Does Comprehensive Car Insurance Mean?

Comprehensive insurance coverage offers an optional policy that protects your vehicle from non-collision damages caused by incidents beyond your control, such as theft, vandalism, glass and windshield damage, fire, accidents involving animals, weather disturbances, and other natural calamities. This policy effectively ensures that your vehicle remains protected from unforeseen events, giving you added peace of mind and assurance.

What Does Collision Insurance Cover?

Collision insurance helps pay for damages to your vehicle if you’re involved in an accident, such as a collision with another vehicle or object like a tree, pole, or guardrail. It can also cover other hazards you may encounter on the roadway. Essentially, collision insurance protects you financially in the event of an accident so that you don’t have to pay out of pocket for repairs or vehicle replacement.

Does Full Coverage Insurance Cover Transmission Failure

No, full coverage insurance policies generally do not cover mechanical breakdowns, such as transmission failure. However, comprehensive and collision coverages protect against damages caused by accidents and non-collision incidents.

How to Get Insurance to Cover Blown Motor

To get insurance to cover a blown motor, you will need to file an insurance claim and provide evidence that the damage was caused by a covered event such as an accident, fire, or theft. You should review your insurance policy to ensure that your motor is covered under the terms of your policy. Additionally, you may need to pay a deductible before your insurance company covers the cost of repairs or the motor replacement.

Can a Car Be Totaled Due to Mechanical Failure?

Yes, a car can be considered “totaled” or a “total loss” due to mechanical failure, depending on the extent of the damage and the repair cost. If the cost of repairing the mechanical failure exceeds the car’s value, the insurance company may consider it a total loss.

What to Do When Your Car is Totaled, and You Still Owe Money?

When your car is totaled, and you still owe money on it, you will need to pay off the loan or lease even though the car is no longer functional. Your insurance company will assess the value of the car and pay you that amount minus the deductible. If the amount you owe on your car loan or lease is greater than the amount the insurance company pays you, you will still be responsible for paying off the remaining balance. In most cases, the insurance company will first pay off what is owed to the lender or leaseholder, and then you will receive any remaining settlement money.


Car insurance is a crucial safeguard for vehicle owners, offering monetary security for 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.