Yes, comprehensive car insurance covers no accidental repairs. However, it is a different car insurance plan. So, you need to purchase it to get covered.
Does your car insurance cover non-accidental damage?
That’s what we are going to find out in this post. Because here I’ll briefly describe does car insurance cover non-accident repairs, and if so then which type of car insurance, What does car insurance not cover, does car insurance cover major repairs? how much will insurance pay to fix your car along with all the related queries?
So, stick here till the end.
Does Car Insurance Cover Non Accident Repairs?
Yes, comprehensive car insurance pays for no accidental repairs. So, what does comprehensive car insurance cover?
It depends on your insurance company. However, here is a few things most comprehensive car insurance plans cover
- Theft
- Vandalism
- Fire Damage
- Hail damage
- Falling Damage
- Hit by an Animal
- Natural Disaster
The coverage might be different depending on your insurer’s policy.
There are different types of car insurance and each of them has its own purpose. Some of the most common car insurance are
- Liability Insurance
- Collision Insurance
- Personal Injury Protection
- Uninsured and Underinsured Motorist
- Comprehensive Car Insurance
Among these insurances, you must have liability insurance to drive in most states and it only covers damages done by your car to other vehicles. On the other hand, collision insurance covers damages to your car in a collision. Personal protection and Uninsured and Underinsured Motorist also covers damages to you and your car in accidents.
However, only comprehensive car insurance pays for non-accidental damages to your car. It covers damages
So, if you want non-accidental damage repair covers for your car then you must purchase a comprehensive car insurance plan.
Now let’s find out how to claim non accident car insurance.
Non Accident Car Insurance Claim
If you have a comprehensive car insurance plan and your car damage falls under the coverage claim then follow the below steps to claim non accident car insurance.
- Contact your insurer right after the damage happens.
- If your car is vandalized or harmed in a fire accident then you need to file a police complaint and show it to your insurance provider.
- Your insurance company will assign a representative to investigate the claim.
- After the investigation finishes they will pay for the damage.
Usually, it takes less than 10 days for a non-accident car insurance claim investigation. So, you will be paid within 10-12 days depending on your insurance provider. But does car insurance cover major repairs?
Does Car Insurance Cover Major Repairs?
Yes, some car insurance covers major repairs such as car repair insurance. However, you need to purchase it separately and it is not available for older car models.
Regular auto insurance does not cover your car repair costs.
However, if you get car repair insurance separately then it will cover the major repairs for your car. It can save you a ton on major repairs. As car repair insurance covers major breakdown repairs, major parts failure, and many more major repair costs.
Car repair insurances are comparatively less expensive. But you need to find out if it overlaps with your auto insurance coverage. Moreover, it does not cover regular maintenance. So, Does car insurance cover repairs after accident?
Yes, it sure does. Because most car insurance is based on collision and liability insurance. So, if you have collision insurance then the damage will be covered
But does comprehensive insurance cover car repairs?
Does Comprehensive Insurance Cover Car Repairs?
No, comprehensive car insurance does not cover regular car repairs. However, it covers only some non-accidental repairs.
Comprehensive car insurance might provide better coverage than regular auto insurance. But this coverage is also limited. As a result, only theft, vandalism, fire, storm damage, etc is covered but not regular repairs. However, Does it cover radiator damage?
Does Car Insurance Cover Radiator Damage?
Yes, some car repair insurance covers radiator damage. However, it has to be major damage. Radiator damages are serious. Because it can cause severe damage to your engine or car in the future.
Though most car repair insurance does not cover minor damages to radiators. But if the damage is severe and it needs changing then your car repair insurance will cover radiator damage.
So, we have found out that different types of car insurance pay for accidental damages, non-accidental damages, and major repair damages. But does car insurance cover regular repairs and is there any car insurance that covers maintenance?
Is There Any Car Insurance That Covers Maintenance?
No, there is currently no car insurance that covers maintenance. Some insurance plans like car repair insurance cover major repairs. But it does not include regular maintenance.
According to NAIC, regular minor repairs or maintenance like engine oil changes, and regular car services are not included in auto insurance.
So, no matter which auto insurance you purchase it is not going to cover maintenance. Then what’s the purpose of full coverage car insurance?
What Does Full Coverage Car Insurance Cover?
Full coverage car insurance covers liability insurance, collision insurance, and comprehensive car insurance. Meaning it will cover any damage done by your car to others, accident damage, and vandalism or theft damage.
Full coverage car insurance is auto insurance that includes liability insurance, collision insurance, and comprehensive car insurance in the same package.
So, any damages that fall under the coverage of liability, collision, and comprehensive car insurance, will be covered by full coverage car insurance.
By this time, we have learned what most car insurance covers. So, it’s time to find out what does car insurance not cover.
What Does Car Insurance Not Cover?
There are certain things that are not covered by any type of car insurance. They are
- General Maintenance and Regular Repair
- Damages that are not included in your insurance policy.
- Regular Cosmetic Damage
- Personal belongings which are damaged unless you have personal protection in your policy.
- Damages that exceed your limit of liabilities.
- Intentional Damage
- Damages done while tuning your car or DIY repairs.
Now let’s find out How much will insurance pay to fix your car?
How Much Will Insurance Pay To Fix My Car?
Normally, your car insurance will pay the full amount if you pay the deductible. However, How much your insurance will pay to fix the car will depend on your car insurance type. As different car insurance plans have different coverage policies.
So, to find out how much your insurance provider will pay to fix your car you need to look at your insurance plan and agreement. However, most insurance plans pay for the full damage coverage excluding personal belongings damage.
FAQs
Here are some of the frequently asked queries related to this topic.
What is Mechanical Breakdown Insurance?
Mechanical breakdown insurance is an optional car insurance policy that provides coverage when your car’s engine or other major components fail due to wear and tear, mechanical breakdown, or internal defects. It is not a standard part of car insurance, so you will need to purchase it separately.
The cost of Mechanical breakdown insurance varies depending on the make and model of your car, your age, your driving record, and your state.
Does Insurance Cover if Your Engine Blows?
Usually, most car insurance does not cover in case your engine blows, even if you have full coverage. But if the mechanical problem or blown engine can be directly linked to a covered item in your insurance policy then they may cover it.
However, neither collision nor comprehensive coverage will pay for repairs to an engine that fails due to normal wear and tear or mechanical breakdown. In case you want Engiene coverage then you need to purchase Mechanical Breakdown Insurance.
Does Insurance Cover Airbag Replacement?
Yes, Most car insurance policies cover airbag replacement. However, it depends on the type of insurance you have and the specific circumstances of the accident.
In case you only have liability insurance then it won’t be covered. But if you have full coverage or collation coverage then it will be covered. Some policies may only cover airbag replacement if the airbags deploy in a collision. Others may have a deductible that you will need to pay before your insurance company will cover the cost of replacement.
In Summary
Car insurance can be tricky as there are so many categories. However, if you live in an area where there are chances of non-accidental damages to your car, then get full-coverage insurance. Because it will cover everything in just one package and might cost less than buying them separately.
I hope I have explained does car insurance cover non accident repairs thoroughly. If you have any questions let me know in the comments.
Lastly, please read your car insurance agreement carefully before signing it. Moreover, before purchasing a car insurance plan consult with an expert.
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