Does car insurance cover repairs?

Car insurance repairs damage to your car from accidents and collisions, but not wear and tear or mechanical failure. The average rates for full coverage are $79.58/mo in the US.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • Your car insurance will most likely not cover necessary car repairs if they are not due to an accident
  • You may have a warranty on your car or you may have purchased an extended warranty if your car is fairly new
  • Experts recommend that you have the highest liability limits you can afford on your car

If you have a vehicle, you will have car repair costs. Sadly, not everyone has the right type of insurance coverage or protection to help pay for these costs.

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While auto insurance is needed to safeguard you from the high cost of damage from an accident, theft, and liability resulting from at fault accidents, it is not designed to pay for mechanical failures, wear and tear, electrical problems, or any kind of repair that is not due to a major accident.

This article will go into detail on the type of financial coverage you can get to support your car insurance and help pay for typical–and not so typical–auto repairs. You can also refer to this article on how to pay for repairs without going through car insurance.

Car Factory Warranties

A majority of these problems are usually included in new-car factory warranties for a limited period of time or a limited number of miles.

Nearly all new-car warranties end in 3 or 4 years, or 36,000 to 48,000 miles.

The powertrain warranties that include specific transmission and engine breakdowns usually are longer, most are 100,000 miles. Car makers do not offer longer warranties because that is when problems with the vehicle usually begin.

Individuals who purchase a used vehicle with no remaining warranty from the factory, or perhaps a soon-to-expire warranty, need to take into account a type of car insurance policy to offer protection to them from the high costs of accidents.

In addition to state-mandated liability and possible uninsured driver coverage, you should also consider collision and comprehensive coverage.

Do not make the error of imagining that your own traditional car insurance will pay for non-accident related car repairs.

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Car Insurance Repair

Officially, car insurance repair is known as extended warranty insurance coverage.

This type of insurance acts to pay the cost of repairing issues which happen after the factory warranty runs out, as well as pay for car repairs which the factory warranty does not include.

Even though an individual may purchase car insurance repair coverage, or perhaps extended warranties, from many completely different locations, you should be conscious of the fact that a lot of these types of products happen to be pre-paid service contracts and have major restrictions on their value.

Normally, the business marketing the long-term contract is not the business that will actually pay claims.

These salesmen are merely making a fee on the sale and do not care if you receive service or not.

Warranty Direct offers extended warranties with regard to used vehicles.

The company has been in business for 28 years, has been listed in Forbes Magazine as one of the top 200 Companies, currently has marketed and sold almost two million warranties, and has paid out over 600 million in real claims.

The company offers five different plans of coverage, they handle and pay their own claims, and they have an excellent reputation for customer support.

You may find that having Warranty Direct in league with a comprehensive car insurance policy covers all your bases.

A list of a few of the numerous types of repairs as well as costs included in the car insurance repair:

  • Transmission
  • Engine
  • Electronic equipment
  • Air conditioning
  • Power equipment
  • Power steering
  • Brakes
  • Suspension
  • Cooling system
  • Towing fees
  • Emissions system
  • Turbo/Supercharger
  • 4 x 4 systems
  • Damage due to overheating
  • Interior/Exterior Features
  • Fuel system

Repairs and Breakdowns

The fairly small price of used car warranty coverage can save you hundreds of dollars in unforeseen expenses and give you the peace of mind you deserve.

The coverage is specifically directed toward your needs and all claims are handled in house.

To be safely protected, you should have the highest liability limits you can afford. Experts recommend 100/300/100 despite significantly lower state limits.

If you can obtain a new car or other warranty for car insurance repairs, like the one mentioned above, that is a good method.

Finally, be sure you have the other types of coverage you need like collision, comprehensive, uninsured, or medical payments.

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