What Repairs Will My Car Insurance Cover?

February 26th, 2024 by

Car crash repairs at Hebert's Town and Country Chrysler Dodge Jeep Ram in Shreveport, LA

When it comes to car insurance, understanding what repairs your policy will cover is crucial for any driver. Knowing the extent of your coverage can save you from unexpected and stressful financial burdens. At Hebert’s Town and Country Chrysler Dodge Jeep Ram in Shreveport, Louisiana, we recognize the importance of clarity regarding car insurance coverage.

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What your car insurance will cover depends on your provider and your specific policy. It’s also important to know your deductible, as this will determine how much you’ll have to pay out of pocket before your insurance helps cover any costs. However, there are a few standards that are common in most policies. Read on to better understand what your provider should cover in the case of a catastrophe!

What is Typically Covered?

If you have collision coverage, your insurance will almost certainly help pay for damages incurred during an accident. Whether you collided with another vehicle, ran into a tree, or hit a large pothole, your provider will most likely help pay for the related repairs. If you have comprehensive coverage, you may also receive reimbursement for damages caused by fires, animals, vandalism, natural disasters, falling objects, and more.

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What is Not Typically Covered?

As a rule of thumb, car insurance will not pay for any kind of mechanical maintenance. From oil changes to engine replacements, basic insurance will not cover “naturally” incurred wear and tear. If your car breaks down as a direct result of an accident or another covered peril, insurance may help pay for repairs or replacements. But, more often than not, it’s safe to assume that your car insurance will not pay for general service.

Mechanical Breakdown Insurance (MBI)

For drivers seeking additional coverage beyond basic car insurance, Mechanical Breakdown Insurance (MBI) is an option to consider. If your vehicle is no longer under warranty, most insurance providers offer MBI. While it will cost extra, opting for this insurance could save you a lot of money in the case of incredibly costly maintenance. MBI does not cover routine service on things like filters, fluids, spark plugs, etc. However, it does cover larger components like your engine, transmission, brakes, and air conditioning.

In conclusion, understanding the extent of your car insurance coverage is vital. We recommend developing a relationship with your local insurance agent, as they will be the best source for specific tips and policy information. Once you understand your coverage in detail, you can drive with some additional peace of mind. And if you ever need a trusted place for service and repairs, look no further than Hebert’s Town and Country Chrysler Dodge Jeep Ram in Shreveport, Louisiana! 

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Posted in Finance, Safety, Service