If you need a car repair, having insurance can help cover the costs. As a responsible car owner, you should know what kinds of car repairs are covered by your insurance. However, there is no one-size-fits-all car coverage. Different kinds of repairs require various types of insurance. If you’re not sure which one covers what kind of damage, read on to learn more.
Which Repairs Are Covered by My Insurance?
If the damage resulted from a collision or an accident, collision insurance would cover it. It can help you pay for the damage caused by car crashes. Rolling over in a car accident and hitting potholes are also covered. This insurance will become handy whenever you get into an accident.
Comprehensive insurance will help you pay for non-accident repairs and other incidents that are beyond your control. This coverage provides protection from fires, natural disasters, theft, vandalism, falling objects, and even animal damage. For example, if your car was damaged because of a riot, comprehensive insurance can help you with repairs.
Repairs resulting from unexpected mechanical issues are covered by mechanical breakdown insurance (MBI). MBIs focus on the internal systems and components of a vehicle. Issues like brake failure, faulty suspensions, and steering problems are covered by MBIs.
Is My Car Eligible for Car Repair Insurance?
Today, most insurance companies that offer MBIs will only approve the claim if the car meets their requirements. Usually, they will require a vehicle to be of a certain age and mileage. Some insurance companies would only offer coverage to newer vehicles with low mileage. Certain car types are also excluded from claiming a policy.
Specific requirements may vary between companies, so double-check with your insurer to make sure if your car is eligible. Also, keep in mind that regular maintenance and wear and tear are not covered by any insurance.
If you need to learn more about maintaining your vehicle, get in touch with Graham Tire today. Our expert mechanics can help you with your car problem. Check out our four key locations in Lincoln, NE today.