author-img
Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author
Reviewed by:
Laura Longero
reviewer icon
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

A full-coverage car insurance policy does not cover your car’s transmission unless it is related to an auto accident or other covered peril.

While many people refer to having the physical damage coverages of collision and comprehensive on top of state liability insurance as carrying full coverage, there really is no such thing as complete and full coverage for your car.

No auto insurance policy covers every known peril or potential problem your car could have. What full coverage does, as defined above, is cover damages you do to others under your bodily injury liability and property damage liability coverage and damages to your car caused by certain incidents under your physical damage coverages.

So, if you were in a car accident and the mechanic found that the transmission was damaged from the incident, it could be covered by your car insurance policy.  But, if you were merely driving down the freeway and your transmission gave out on you, no type of car insurance would cover that situation since it was mechanical and not a covered peril.

A car insurance policy normally lists the perils that it will cover. If your damage isn’t listed, then it’s not covered. And some policies even specifically list that mechanical breakdown is not covered, which is why your transmission going out on its own would be considered.

Your transmission could be covered, though, if you have a car warranty or mechanical breakdown insurance.  If your car is still under a manufacturer’s warranty or you purchased an extended warranty, check to see if your transmission’s issue would be covered by this coverage.

Car insurance companies may offer mechanical breakdown insurance (MBI), but unlike car insurance physical damage coverages, it will cover your car’s mechanical parts that break due to events not related to a car accident.

If you want coverage for your car’s mechanical parts, MBI might be for you.

The cost of MBI varies from a few hundred dollars to thousands, based on factors such as the type of vehicle you have, the number of miles to be covered, and the length of the MBI contract, as well as how much protection you choose.  Some companies offer various levels of coverage and of course, the more items covered, the more you will pay.

With this type of coverage, there may be a deductible, but it is low (in the range of $50 to $250 usually) and much less than paying for the repairs to your transmission yourself in full.

 — Penny Gusner contributed to this story.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Get quotes near you!
Please enter valid zip
author image
Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.