It will depend upon if the two repairs that you have done at the same time are related or not whether you will be required to pay one deductible of $250 or two deductibles totaling $500 under a Geico MBI policy.
With Mechanical Breakdown Insurance (MBI) from Geico, they will pay the repair facility directly for covered claims after you have paid your $250 deductible to the repair shop.
The MBI plan notes specifically that if you have multiple unrelated problems, you will have to pay a separate deductible for each problem. If there are multiple vehicle parts that need to be repaired but they are to solve all a singular mechanical issues then only $250 would be due.
For example, if your car's electrical system and air conditioning both need to be fixed, but for unrelated reasons, you would have a $250 deductible for each repair for a total of $500 being due. If instead you had a single electrical problem that took replacement of a fuse, control module and central computer you would not have to pay a separate deductible for each part replaced, just one single $250 deductible.
With our partner Geico, Mechanical Breakdown Insurance is available for new or leased cars that are less than 15 months old and with less than 15,000 miles. And once you have purchased MBI with them, you can renew it for up to seven years or 100,000 miles (whichever comes first).
Geico's MBI plan covers repairs to all mechanical parts of the car, the exceptions to the policy are parts that need repairing due to normal wear and tear or regular maintenance that needs to be done. The MBI plan includes most all parts and systems not just a specific list of covered items like many warranties offered by dealers.
The exclusions to this type of insurance policy include regular maintenance services such as tune-ups, suspension alignment, wheel balancing, filters, lubrication, coolant and fluids, spark plugs, brake pads and linings, brake shoes, and tires. Also, breakdown repairs made necessary by intentional damage, corrosion, misuse, or improper maintenance are not covered by this Mechanical Breakdown Insurance.
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