Does Fully Comprehensive Car Insurance Cover Mechanical Repair?
--> December 24th, 2009 at 10:43 am
Normal insurance you get from an automotive insurance company doesn’t cover anything unless there has been an accident, or some act of god. If your car was say caught in a flood, or had hail damage, or was hit by a falling tree or was run over by a stray boulder, or hit by an uninsured motorist(depends on the state for that one.) But wear and tear, or maintenance items are not covered. You can get a warranty from an independent third party that will cover repairs to your car, but they usually have high deductibles if you actually use the coverage, and are rarely cost-effective. If you are looking at buying new, most cars come with a warranty good for a good while. The shortest nowadays is in the three year range. Most manufacturers offer extended warranties also. The reality of it is that if you take care of your car it is very rare for a car to fail with something catastrophic like a blown engine before you hit 100k miles. Some brands are good to well past that. I’ve got a 95 subaru with 243k miles on it, and once sold an 88 volvo wagon that I had bought with 131k and sold at 286k. So if you’re worried about longevity, go with a car that has been proven to be long-living.
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