When Are Your Car Repairs Covered by Car Insurance?

If you own a car, it is important for you to protect it. There are some situations where your vehicle may require repair. If that is the case, you might be wondering if the repairs are covered by insurance. After all, it can be expensive.

At Sun Chevrolet, our goal is to not only help you find the right car but also to help you take care of it. If your car requires repair, you should count on our service team to help you. We can also coordinate with your insurance company to make sure you understand the details of your insurance policy. When are your car repairs covered by insurance?

It Depends on the Insurance Policy

First, understand that whether your repairs are covered or not will depend on your insurance policy. Everyone has a slightly different insurance policy, and you need to refer to the details of yours. For example, if you have a liability-only insurance policy, then your repairs may not be covered at all.

On the other hand, if you have a comprehensive insurance policy, then just about everything could be covered by your insurance company. If you have questions about the language in your insurance policy, reach out to your insurance company to learn more.

Collision

If you are involved in a motor vehicle accident, then there is a good chance that your repairs will be covered by an insurance company. If the accident is not your fault, then the insurance company of the other driver should pay to fix your vehicle. If the accident is your fault, then your repairs should still be covered as long as you have either a collision policy or a comprehensive policy. If you have a liability-only insurance policy, then your repairs will not be covered. Again, you need to refer to the details of your insurance policy to learn more.

Theft

If your car is damaged because someone tried to break into it and steal it, then your repairs should be covered by your insurance company. This is true of just about every comprehensive insurance policy and most collision policies. Even though it would be better if they can catch the person who tried to break into your vehicle and steal it, this is not necessarily a requirement for your repairs to be covered.

Fires and Floods

If your car is damaged in a fire or a flood, then it should be covered by your insurance policy. These types of incidents are generally covered under all comprehensive insurance policies and most collision insurance policies. Even though these types of events are unusual, you never know when they could happen. If you are wondering if your insurance policy will pay to fix your car in the event of a fire or a flood, you should give them a call.

Routine Maintenance

Finally, routine maintenance is not covered by your insurance policy. Even though some routine maintenance issues could sound like a car repair, they are unlikely to be covered by your insurance policy. For example, you may need to replace the timing belt or the serpentine belt in your vehicle.

Regardless of how good of a driver you are, these parts will probably have to be replaced eventually. When that happens, you may want to reach out to your insurance company and ask if they will pay for the replacement, but they are likely to label this as routine maintenance. If you have questions about what routine maintenance versus a car repair is, it would be our pleasure to assist you. Rely on Sun Chevrolet to assist you.

Visit Sun Chevrolet to Learn More

These are a few of the most important points that you should keep in mind if you are wondering if your car repairs will be covered by your insurance company. Everyone has a different insurance policy, so it is important for you to refer to the details of your insurance policy to figure out what is covered and what is not. At Sun Chevrolet, it would be our pleasure to work with you to make sure your repairs are handled appropriately. Give us a call today to schedule an appointment with our service center.

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