Does Car Insurance Cover Mechanical Breakdowns?

Car insurance isn’t optional; it’s a necessity. Here in North Carolina, the law requires all vehicles with a valid North Carolina registration to have car insurance, also known as liability insurance, and if you’re caught driving without it, you could face some hefty fines.

Does Car Insurance Cover Mechanical Breakdowns?

While you might understand that car insurance is extremely important, you might not know what car insurance actually covers. You’ll have to check your policy for all the details, as insurance policies can vary, and there are certain add-ons that you can choose to purchase or forgo. However, one common question many car owners have is whether their car insurance policy will cover mechanical breakdowns.

Generally speaking, your basic car insurance plan will not cover the cost of mechanical issues unless they are related to some kind of accident that is explicitly covered in your policy. A tree falling on your car or getting into a car accident may be covered by a typical car insurance policy, but if your car is experiencing mechanical issues due to wear and tear, you would need to have added on mechanical breakdown insurance (MBI), which is also commonly referred to as car repair insurance. This would offer coverage for things like issues with your car’s engine, air conditioning, electrical systems, exhaust, transmission, and more.

If you have questions about finding car insurance or what is covered under most policies, reach out to us at Curtis Helms Insurance. We can assess your needs and help you select the policy and add-ons that are right for you.