When a vehicle owner needs a major Car Repair in Port Orchard WA, this person may wonder whether automotive insurance ever covers breakdowns and expensive functional issues. Most insurance policies do not cover deterioration due to wear and tear over time, but they do pay for repair work for functional components under certain circumstances. The project must cost more than the policy’s deductible.
Collision and Comprehensive Coverage
Automotive collision insurance covers damage due to accidents, and comprehensive coverage covers repair work needed after vandalism, flooding, or hail. In addition, if another driver caused the accident, all repairs are covered by that person’s liability insurance. These problems do not have to be auto body damage, though. Insurance policies cover Car Repair in Port Orchard WA for functional issues as well as dents and breaking of doors, panels, hoods, and other exterior components.
Vandalism and Collisions
Insurance won’t cover worn tires, for example, but comprehensive coverage will pay for tire replacement that is necessary because of vandalism. Depending on the policy, it may pay for stolen tires and wheels. Collision coverage will pay for a new radiator and related repairs if the front end is destroyed to the point where the coolant system is no longer functional. The same is true for the exhaust system if a driver rear-ends the car, bending or breaking the exhaust pipe and muffler.
Flooding
A flood that ruins the brakes or the engine is another qualifying incident insurance may cover at a garage such as LK’s Auto Repair. The company will want to verify that the flooding was not the vehicle owner’s fault, though. Adjusters generally agree about lack of responsibility for a flash flood in a parking lot, but not for driving into a flooded area.
Mechanical Breakdown Insurance
Some insurers do offer a type of coverage known as mechanical breakdown insurance, but even then, the policy typically won’t cover normal wear and tear. An unusual early malfunction may be covered, but that often is also taken care of by the vehicle’s warranty. This insurance also eventually expires as the vehicle reaches a certain age.