Car insurance covers the costs of an accident or damage to your vehicle caused by an unexpected occurrence such as vandalism or a hailstorm. However, typical wear and tear on your car from daily use is not usually covered by car insurance plans. Unless the repair was directly caused by a loss covered by your insurer, your policy will not pay to fix your brakes, tune up the engine, replace your oil, paint over a blemish, or change your tires.
However, it is possible to purchase car insurance that covers regular repairs. This type of policy is known as mechanical breakdown insurance (MBI), commonly known as “auto repair insurance,” but not all insurers provide it, and some specifically refuse claims for natural wear and tear.
What Type of Repairs Does Car Insurance Cover?
Pretty much all states in the country require drivers to have auto insurance. In most states that require the coverage, you usually only have to purchase liability insurance. That said, it is a good idea to purchase collision and comprehensive coverage, as well.
Most car insurance plans do not cover regular repair jobs, but repairs that you may need as a result of vandalism, a natural disaster, or an accident may be covered, provided you have collision and comprehensive protection.
What Is Mechanical Breakdown Insurance?
Mechanical breakdown insurance, also called MBI, is offered by a few auto insurance companies to help people pay for regular repairs. This coverage is normally not a part of car insurance plans and is typically not a requirement in any state. Additionally, cars that are a few years old may not even be eligible for MBI coverage.
People who are interested in this coverage can get an endorsement or a rider, which will increase premiums. Mechanical breakdown insurance can help pay for internal components, new brakes, or engine parts. As in the case of traditional auto insurance, the cost of this coverage may vary based on the type and model of the car you have and your personal details. That said, expect to pay hundreds of dollars more every year for MBI.
