Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 19, 2021

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Important facts to know...

  • Mechanical problems due to wear and tear are not covered by insurance
  • Some mechanical issues are covered if they are caused by an accident
  • Other mechanical problems may be repaired if they are a result of theft, vandalism, or other factors
  • Learn the difference between causal factors so you’ll know when mechanical problems are covered by insurance

When shopping for car insurance, many people wonder if their car insurance will cover mechanical problems. There are two ways to consider this question.

  • Yes – If you have an accident in which damage is done to your vehicle that requires mechanical rebuilding or repair, then yes, most car insurance companies will cover these repairs.
  • No – If your mechanical issues stem from normal wear and tear, your car insurance company will not pay for repairs.

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Fault vs. No-Fault States

In a “fault state,” the insurance company of the driver who was at fault would be the one to cover the damages.

In a no-fault state, the insurance company that covers the driver who was negligent would pay.

In both of these cases, insurance would cover mechanical problems as well as any body damage and other functional components that are needed to restore the car to drivable condition.

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When Car Insurance Does Not Pay for Mechanical Problems

There are some cases when car insurance will not cover mechanical problems.

Car insurance is not designed to cover mechanical failures or problems that are due to the normal wear and tear of your car.

It also will not cover mechanical issues that are due to a lack of maintenance.

This kind of expense must be taken care of by you since it is not due to the following:

  • an accident
  • an act of nature
  • vandalism
  • theft

What about acts of nature, theft, and vandalism?

Vehicles that have been the victim of “an act of nature” such as floods, hail, or vandalism where parts were damaged or extracted, you may be able to use your comprehensive coverage to cover these types of damages to the mechanical aspects of your car.

Sometimes car thieves steal mechanical parts and resell them, leaving a car without some of the essential components that are necessary to drive your car safely.

In these cases, car insurance will usually cover the repairs or replacement of the parts that were stolen, but it will not cover any other parts that were not a result of the theft.

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Keeping Your Vehicle Maintained

It is important to keep your vehicle in the best shape possible at all times. Caring for your vehicle properly keeps you safe on the road at all times and helps you to avoid letting your car run down or have mechanical issues that shorten the life of your vehicle.

With proper care, a vehicle can last you ten years or more, but small mechanical problems, unnoticed at first, can lead to bigger problems later.

This potential for bigger issues is why it is so important to have your car checked out on a regular basis and get things repaired when you first notice the problem.

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Summary of Collision and Comprehensive Coverage

Remember that collision coverage is for the purpose of repairing any damage sustained as a result of a car accident. Comprehensive insurance covers other issues including mechanical problems caused by theft, vandalism, or acts of nature.

Collision coverage only covers the damages that were sustained in an accident and not in any other situation. If someone is speeding down your street and hits your car, you will use collision coverage. If they steal or vandalize your car, you will use comprehensive coverage.

Comprehensive coverage is an excellent insurance to get if you are worried about having mechanical issues fixed after your vehicle has been damaged by others or acts of nature that are not due to an accident.

Should you have more than liability coverage?

When it comes to insurance, people often try to save the most money possible by cutting out the extra coverages or avoiding optional coverages.

You will often get a better deal by considering at least some of the options that provide you with more protection than liability only provides.

In truth, liability is just what it says: taking care of your legal responsibility to others. It’s not about you. It will cover your bodily injuries and anyone else in your car in an accident.

It will cover your bodily injuries and anyone else in your car in an accident, but it is mainly to pay off another driver when your negligence causes an accident that causes the other driver injury or property damage.

This type of insurance is required in almost every state. The states hope to reduce the overall costs of court cases that stemmed from numerous tort and civil lawsuits that are a direct result of negligence on the part of other drivers.

It allows people to collect monies they need to take care of their loss that was due to another driver’s fault without having to take them to court to get the money.

What about uninsured motorist coverage?

Uninsured motorist coverage takes care of the injuries that you experience as a result of the other driver’s negligence when they do not have sufficient insurance to cover the damages.

This coverage is not required except in a few states but it is a good idea to carry this coverage should you ever be involved in an accident that involves an uninsured driver.

If you hit another vehicle, your insurance would pay, but if they hit you or cause the accident, they have no insurance to cover the collision, and your insurance would have to pay instead. Remember that it will only pay if you carry uninsured motorist coverage.

Uninsured motorist coverage will not work in a “no-fault” state since each person’s insurance is supposed to cover the damages.

In that case, the person who was uninsured would have to pay out of pocket for his expenses and your insurance would have to pay for damages or injuries to your vehicle or passengers, no matter who is at fault.

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How to Find the Right Insurance

When it comes to finding car insurance, there is no exact answer to everyone’s need. No one insurance works best for all drivers.

Instead, the key is to assess your risk factors such as mileage, type of car, and how you use your vehicle, and then decide how much coverage you need and can afford.

Make sure and read the fine print and consider the optional coverages that you need to feel secure. Then shop and compare and get a free quote to get started. Enter your zip code below to get started.