Question

Does car insurance cover repairs?

Repairs that occur as a result of collisions, theft, or fire, if included, will be covered under car insurance.

Car insurance covers repairs, which are included under your chosen coverage, whether it be collision or comprehensive coverage. But the repairs that occur as a result of routine checkups or breakdowns may not be covered under your insurance.  

Here is a list of repairs that are generally covered under car insurance:

• Repairs that occur due to a crash are covered under the collision coverage. 
• Damages that happen due to a non-collision event, like vandalism, hailstorms, or fire, are covered under comprehensive coverage.  
• If you have hit an animal and you have comprehensive coverage, then such repairs will be covered. 

However, repairs that occur as a result of normal breakdown or routine maintenance, such as oil changes or engine repair, are not covered under car insurance. If you want the repairs under mechanical breakdown to be covered under insurance, then you should consider opting for mechanical breakdown insurance that will cover damages that arise due to situations other than accidents.