Secured with SHA Encryption. However, you may not have to cover these expensive repairs on your own. The insurance plan you have just might take care of the fees for you, and you can use a comparison tool to find one that gives you the coverage you need. Compare car insurance rates now by using our FREE tool! Enter your zip code above to get started now! There is a misconception about what gap insurance covers. Some people mistakenly believe that gap insurance is a blanket coverage that takes care of you if anything goes wrong with your car.
Some insurance companies offer a rider will cover mechanical breakdowns. Most car insurance policies only cover repair of your vehicle if it's damaged However, an extended warranty or mechanical breakdown insurance may cover you. It is possible to get a type of car insurance that helps pay some kind of standard repairs. It's called mechanical breakdown insurance (MBI), also.
We realize how inconvenient it can be to have your vehicle out of service, so we strive to get you back on the road as soon as possible with a quality repair. This material is intended for general information only. It does not expand coverage beyond the policy contract.
Please refer to your policy contract for any specific information or questions on applicability of coverage. Please try again. Claims Center You can report a claim online for auto accidents, vehicle damage, glass damage, and roadside service.
In cases where an engine malfunction or other mechanical failure causes an auto accident, the accident itself will be covered by the insurance but the.
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Understanding Mechanical Breakdown Claims. If you fail to give GEICO the opportunity to investigate thoroughly before repairs begin, you may jeopardize your claim. You can report your MBI claim online anytime or call us at during the following hours: Monday — Friday am — pm ET Saturday am — pm ET Sunday Closed As you begin the reporting process, please make sure that you have as much information as possible available about your mechanical breakdown.
Once you report the breakdown, one of our claim examiners will call you within 24 hours to explain the MBI claim process. This examiner will keep you informed throughout the repair process and will ensure that your vehicle is repaired properly. You may take your vehicle to the repair facility of your choice. Instruct them to call us at with a diagnosis of the problem and a repair estimate before they begin to fix your vehicle.
Once we hear from the repair facility, your examiner will determine if a physical inspection of the vehicle is necessary. No, regular car insurance does not cover regular breakdowns or maintenance. You can buy Mechanical Breakdown Insurance separately or by an endorsement to your car policy.
Does Car Insurance Cover Engine Damage?
Note that MBI does not replace regular car insurance, it is an add-on. The cost of Mechanical Breakdown Insurance is usually less expensive than the extended warranty at the dealer. Calculation of price does not take any of your personal information into consideration.
Insurance isn't designed to repair damage due to the normal wear and tear of your car. It won't provide coverage for mechanical failures or damage caused due . Either way, it's wise to know whether or not your auto insurance policy will help Uninsured motorist property damage coverage can help pay for mechanical. If your vehicle is protected by GEICO's Mechanical Breakdown Insurance (MBI), you're covered for repairs (excluding maintenance or wear and tear) to all.
Car dealerships often offer products like extended warranties or Guaranteed Auto Protection GAP coverageat the dealership and put a lot of pressure on people to buy them on the spot. Car dealerships can make a lot of money on these added sales, so it makes sense that they will be offering them to you. You should always check with your insurance representative first.
It helps to compare these products. You should never buy these products at a dealer under pressure, take your time to figure out what makes the most sense for you. It really depends on several factors. If you are already decided on buying an extended warranty then the Mechanical Breakdown Insurance is a good option for you to consider.
If you don't know whether you will need the extended coverage, then some research about your car will help:. Insurance is coverage to protect you from unexpected costs. If you have enough money to pay for unexpected repairs yourself, then you can self-insure by not purchasing an extended warranty or mechanical breakdown insurance coverage. In addition to the flexibility to pay less up front and cancel whenever you decide you do not need the coverage anymore, some mechanical breakdown insurance policies offer additional perks and benefits.
These perks can also add up to more savings.
Mechanical failure covered by auto insurance
Ask your insurance representative or insurance company to explain these to you, the coverage varies by the insurance company. Insurance Car Insurance. By Mila Araujo.
Engine parts, ex: oil pump, water pump Drivetrain Transmission Exhaust Brakes Electrical components ex: alternator. Some mechanical breakdown coverage offers protection for:. Mechanical Breakdown Insurance can provide you with flexibility in both payment terms and how long you keep the coverage. Because breakdown insurance is handled like an insurance policy it can be better for you financially because it does not force you to pay a big lump sum at the time of purchase of your vehicle.
Many car insurance companies offer special riders, and and the resulting damage from mechanical failure. Comparison of Mechanical Breakdown Insurance vs car dealer Mechanical Breakdown Insurance Coverage and Extended Warranty. Ordinary Car Insurance Does Not Cover Engine Damage Blown engine may be unexpected, but mechanical breakdowns in general are.
It also does not force you to finance the coverage with your auto loan like an extended warranty would, this may save you money on interest. Usually there is data available that can help you understand what problems you might expect in the future. You may also find some car manufacturers have more reliable mechanical operation than others. These are factors that will come into play while trying to determine if it is worth spending the money on an extended warranty or mechanical breakdown insurance.
Consider how long you expect to keep your car for. Weigh the cost of the coverage against the cost of anticipated repairs.