When Are Your Car Repairs Covered by Car Insurance?

When you pay a monthly car insurance premium, you might assume that your car is protected and covered whenever repairs are needed.  That’s not always the case and it can be frustrating footing hefty auto repair bills.  Car insurance is required because of liability when it comes to collisions and other incidents, such as theft and fire.  If you are involved in a car accident, your car insurance may help cover the cost of repairs if the issues are the result of a collision.  Who pays the repair bill is determined by who was at fault and what types of insurance you carry.

If you’re looking for extra protection and coverage when it comes to car repairs, you may want to consider extending your car’s warranty or adding additional insurance policies.

Mechanical Breakdown Insurance – One option is Mechanical Breakdown Insurance (MBI), which will help pay for car repairs that randomly pop up (non-accident related).  While these policies vary by insurance company, they can cover many auto repair services, such as new brakes, engine parts, electrical repairs, air conditioning, steering and alignment.  It’s important to note that MBI policies do not cover car accident repairs, or all regular maintenance, such as oil changes, new tires, rotation or windshield wiper replacements.

*Only new cars or vehicles under certain mileage requirements are eligible for MBI coverage.

Extended Warranty – If you recently purchased a new vehicle, it probably came with an extended warranty.  You can think of an extended warranty as an extra insurance policy on your vehicle that can safeguard you against unforeseen repairs.  While they are not permanent forms of auto repair protection, extended warranties will cover repairs for an agreed-upon period of time and/or number of miles.

* Extended warranties require you to get your car serviced and repaired at specific car dealers, not auto repair shops of your choosing. 

Collision & Comprehensive Insurance – This is a popular option for people that are leasing their vehicle.  Since you know MBI’s do not cover auto accident repairs, Collision and Comprehensive Insurance could help if your car ends up in a body shop after an accident.  Collision insurance will cover the cost to get your car repaired after an accident while driving, and comprehensive insurance will pay for repairs from non-driving accidents, like a hailstorm or fallen tree branch.

* Collision and Comprehensive insurance coverage will only kick in once you have met your deductible.

CNM Auto Repair:  Great Service at a Fair Price

Typically, car maintenance services, such as oil changes and tire rotations, are not covered by regular car insurance.  From mechanical failure to a blown engine; routine car maintenance to your broken-down car on the side of the road, automobile insurance will not be of financial assistance in these instances.  Bummer, we know.  But rest assured that here at CNM Auto Repair, a full-service preventive maintenance and auto repair shop in Lancaster, PA, we are fair in price and perform high quality, guaranteed services.

The next time you find yourself searching for “Lancaster auto repair,” save yourself some time and pick up the phone and call the car experts at CNM Auto Repair at (717) 397-1497 or you can simply schedule an appointment online.