Is a clutch covered by insurance?

A clutch being covered by insurance depends on how and why it's not working. Comprehensive car insurance may cover clutch replacement if it's damaged in an auto accident. Car insurance companies don't usually cover normal wear and tear on a clutch. You can expect a clutch to last about 50,000 miles or longer if it’s not involved in a car accident.

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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 20, 2021

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Here's what you need to know...

  • Clutch damage is most often because of normal wear and tear
  • If a clutch is damaged from an accident, insurance may cover the repairs
  • Comprehensive and collision coverage can offer protection against more scenarios regarding your clutch

Clutch damage is relatively common in manual transmission cars. Particularly when you do a lot of driving, updating the clutch at some point or another will be necessary.

The cost might be covered by auto insurance, though it will depend on how the damage occurred. There’s a big difference between wear and tear of the clutch and damage that occurs from a car accident.

If you are concerned about your vehicle’s safety and want better auto insurance, compare at least three to four policies today! Enter your ZIP code above to begin!

Assessing the Damage


There are many ways for a clutch to become damaged. Some of the most common include:

Insurance companies are not going to accept every claim. Instead, they are going to research your claim and determine whether the clutch broke because of an accident or incident or due to normal wear and tear.

When the damage happens as a result of normal wear and tear, the claim will be denied.

Denial happens because insurance doesn’t cover such scenarios. The cost to repair the clutch would be your financial responsibility.

You can expect a clutch to last about 50,000 miles or longer if it’s not involved in an accident. However, mountainous areas, as well as hot geographic locations, could cause the clutch to wear out faster.

In some instances, if your clutch wears out faster than anticipated, you might be able to file a manufacturer warranty. Whether it’s accepted will depend upon the manufacture as well as how long you have owned the vehicle.

If the clutch did, in fact, get damaged as a result of an accident or incident, you can file a claim and let insurance take care of the repair costs.

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What kind of coverage do you have on your insurance?

You need to know the kind of coverage you have on your auto insurance policy.

The state minimum is only going to get you so far. The minimum coverage includes both property damage and bodily injury liability for a car crash.

When you have basic coverage, your clutch repair would be covered if it gets damaged in an accident and it is someone else’s fault.

In many instances, the clutch will be one of many repairs that need to be done. You might also need transmission work, body work, and more.

If you have comprehensive coverage, it will provide you with financial protection if your clutch gets damaged because of a flood, hitting an animal on the road, and more. You can’t anticipate everything that could happen, and that’s why it’s a good idea to have comprehensive coverage on your policy.

Collision coverage will provide you with protection in the event of a rollover as well as hitting a guardrail, telephone pole, or something else.

If your clutch gets damaged from this kind of impact, whether it’s your fault or not, you can be confident when filing a claim because insurance will be more likely to cover the repairs.

Adding comprehensive and collision coverage is often more affordable than you might think.

You can get quotes to see the total financial impact on your premiums. Additionally, quotes can be obtained from multiple insurance companies to get the most affordable policy possible.

Going Through the Claims Process


When you notice that there is clutch damage, you should figure out what you’re going to do.

If the damage is because of normal wear and tear, there is no need to report it to the insurance company. However, if you think that the damage is covered by your insurance, then you will want to report it quickly.

Some insurance companies have a specific timeframe in which they allow claims. If you exceed this time, then your claim is instantly denied.

If there was an accident that caused the clutch damage, you should have a police report. You will be asked for it when filing the claim.

Otherwise, you will need to detail what happened as clearly as possible. You might be asked for photos as well as the names of witnesses.

The claims process varies from company to company.

You might be asked to get quotes on the damage from multiple repair shops or you might be told to bring your car down to a collision center that is part of the insurance company’s network.

Once an adjuster is assigned to your case, they will review the damages, how the damages happened, and the level of coverage on your policy.

From there, if the insurance agrees to cover the repairs, you are responsible for the deductible. After that, you can schedule the repairs and get your clutch in working order again.

Most clutch work is not covered because it is part of normal wear and tear.

If the clutch was damaged in an accident, though, it might be covered.

It’s a good idea to have more than the insurance required by the state. This way, if there are damages, you can ensure that insurance is more likely to accept the claim and cover the cost of repairs.

Do you want to ensure your car is fully covered? Start comparison shopping today for the best auto insurance rates by entering your ZIP code below!

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