No, auto insurance full coverages of Collision and Comprehensive would not cover your vehicle if it has mechanical issues not related to a covered loss (such as the mechanical issues being sustained in an auto accident). Mechanical problems not caused by damage from an insurable incident are not normally covered by a car insurance policy.

If the repairs of a vehicle may be covered under warranties or third-party additions but unless they are related to an insurable incident than your auto insurance coverages would not extend to mechanical issues, even if they add up to the worth of your vehicle.

Some financial entities and insurance providers offer mechanical breakdown insurance (MBI). Companies such as Geico offer Mechanical Breakdown Insurance which is designed to protect you from expensive repair bills. A deductible is typically involved but after that is paid MBI normally covers repairs to all mechanical parts of the car - except for maintenance and those worn out due to normal wear and tear.

If your car is damaged in an accident than your Physical Damage coverages would cover your vehicle if the cost of repairs added up to more than the worth of the car. They would then declare the car to be a total loss and pay out actual cash value (ACV) for it.

It sounds like however your car just has mechanical issues not related to an insurable incident (per the terms of your insurance policy) that your car insurance would cover and thus unless you have a warranty or mechanical breakdown insurance on the vehicle that may cover the repairs or value of the car than you will end up having to pay yourself to get your car repaired if that is what you decide to do.

To get low cost car insurance on either this vehicle or on a replacement vehicle, click here.