Car Insurance Is Not for Mechanical Repairs

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Car Insurance Is for Physical Damage Repairs

Car insurance can pay to repair your vehicle after an accident depending on what coverage you select. A vehicle is often a major expense and you want to protect it. Comprehensive and each offer coverage for physical damage, which comes with a lot of rules regarding what is covered and what is not.

  • Comprehensive coverage is for anything other than a collision. Fire, theft, vandalism, deer, and storm damage all fall under comprehensive. Usually, comprehensive is required in order to get roadside assistance. It is also required in order to purchase collision coverage.
  • Collision coverage protects your vehicle against accidents. Collisions with automobiles, mailboxes, light posts, trees, and any other inanimate object. A deductible is often required to be paid before getting your repaired vehicle back. Collision coverage most often comes into play when you are at fault or do not know who damaged your vehicle.

Car Insurance Is Not for Mechanical Repairs

Unless your mechanical damage was caused by an exterior factor such as vandalism, fire, or a collision, your car insurance will not cover it. Wear and tear or bad workmanship is not something your car insurance handles. All mechanical repairs are your responsibility or possibly covered by your warranty if you have one.Car insurance is for sudden accidental occurrences, not auto maintenance. For those of you who feel like you have paid in to your car insurance way more than you will ever get out, consider yourself lucky. Claims, especially severe claims are always best avoided. Think of car insurance as protection against the unthinkable. Car accidents occur every single day.Each state mandates its own set of car insurance laws and enforces strict penalties when caught driving without it. Car insurance laws not only protect you from yourself but from the other drivers on the road. Keep your car insurance active at all times, you might be extremely grateful one day for that “useless” policy.

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