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Does comprehensive insurance cover mechnical failures?


Question: If you have comprehensive insurance for your car, does the insurance company pay for the car to be repaired for a non-collision reason, such as a blown head gasket or a faulty sensor?

Answer: No, comprehensive insurance under your auto insurance policy would not pay for your car to be repaired for reasons such as a faulty sensor or blown head gasket if the reason they need repaired are not related to an incident that is considered a covered loss.

Comprehensive coverage covers your vehicle for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. It pays to fix your vehicle less the deductible you choose. So comprehensive does cover you for some non-collision incidents but not the type of mechanical failures you are asking about.

Other than collision issues such as mechanical breakdowns, a blown engine, flat tire, leaky sunroof, a faulty sensor, the need of a new muffler due to wear and tear, etc. are not covered since they are not the result of a covered loss under the terms of a car insurance policy.

If the issue with a vehicle was due to an accident that was covered, it would be repaired under the terms of your policy. For instance, your radiator getting a leak on its own would not be covered by insurance. If you ran into a deer that pushed the front of your car in causing your radiator damage then it would be covered under comprehensive coverage.

If you have a factory warranty, extended warranty, mechanical breakdown insurance or something of this nature covering your car, then you could try to use it or make a claim. You can also check to see if there has been a recall on a part for your vehicle that has gone bad and the manufacturer would then cover the cost for repair or replacement.


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1 Responses to "Does comprehensive insurance cover mechnical failures?"
  1. Visitor

    I hit a deer with my driver's side bumper. Now I have a blown head gasket due to radiator cap not in place. Could this accident have caused this problem?? Please help, I am at my wits end.