When you get car insurance coverage, you usually already know it can cover the damage from accidents with other vehicles. But what about damage and repairs that come from other issues? Perhaps a lack of maintenance or regular wear and tear? Does car insurance cover basic repairs?

Does car insurance cover repairs?

This is a question we’re going to explore in today’s post, so you won’t want to miss it!

Let’s start with the basics, including how auto insurance is something that’s required by law. The amount of coverage you’re required to have depends where you live, but in each state, it serves the same basic purpose. Having it means your insurance provider will help to pay for or cover any of the damages that may happen to your vehicle after you’ve paid your deductible. It also means other drivers aren’t left paying for damage to their own vehicle or property if you are at-fault for the damage in an accident.

In Utah, you’re required to have:

  • $25,000 in liability coverage for bodily injury per person
  • $65,000 in liability coverage for bodily injury per accident
  • $15,000 in liability coverage for property damage
  • $3,000 for personal injury protection as a no-fault state
    Finally, if you decide to purchase underinsured or uninsured motorist coverage, it is required by law to have at least $25,000 per person and $50,000 per accident.

So, if you’re in an accident another driver is at-fault for, their insurance should cover the cost of repairs. If you’re at-fault, you’ll need to have collision insurance to be sure the repair costs will be covered.

What about regular repairs?

But what if your engine breaks or something else happens to your vehicle not related to a collision? Unfortunately, your basic auto insurance wasn’t built for this. If something happens as a result of everyday use, it usually doesn’t have much to do with general liability which means it likely won’t be covered by your insurance. Instead, you can lean on solutions like Vehicle Service Contract (VSC) to help cover a breakdown.

You can purchase most VSC’s on a payment plan where you make a small payment to them on a monthly basis. In the event a breakdown happens, the VSC provider will help to pay for or reimburse you for the damages.

Of course, you’ll also want to look into the vehicle’s warranty to explore your other options and find out if anything is covered that way.

Do you have more questions about car insurance and repairs? Contact us today so we can help!