South Florida's Premier European Auto Repair, Performance & Race Facility Since 1978
Foreign Affirs Motorsport
1935 N.W. 40TH COURT
POMPANO BEACH, FL 33064
Foreign Affairs Motorsport
(954) 746-0488 Mon-Fri 8am - 5:30pm

When Are Your Car Repairs Covered By Insurance?

car repairs

There’s nothing more frustrating than car repairs that aren’t covered by insurance. But the question of when your car insurance can cover repairs is a bit complicated. It starts with what types of coverage you have on your vehicle and the part of the country you live in.

Whether or not your car repairs are covered also depends on the type of damage and your deductible.

Here are some basic things you need to understand about car repair insurance.

What is Car Repair Insurance?

Have you ever taken your car to the mechanic and been taken aback by the cost of the service? If so, you may have heard about car repair insurance. This type of policy covers the cost of motor vehicle repairs in the event of an accident.

It provides a specific amount of protection to cover the cost of repairs for a set maximum amount. Also known as mechanical breakdown insurance, this type of policy is a way for drivers to take the necessary precautions to avoid a major financial blow to their budgets in the event of a car accident.

However, auto repair insurance does not take care of every damage on your car. In most cases, it covers major automobile repairs. This means that you may need to look for other means to finance your car’s normal maintenance.

What Should You Expect from a Car Repair Insurance Cover?

Whether you have been involved in minor or major vehicle damage, it is crucial to understand what to expect from your insurer. Whatever your insurance will cover depends on your type of policy.

Here are some coverages for car repairs:

Collision Insurance

Collision car repair insurance is a type of auto insurance that covers the cost of repairing a car after a collision. If you’re a first-time car buyer, you may not even know that this type of insurance exists. However, it’s worth considering, especially if you happen to live in a high-risk area.

Collision car repair insurance can help you save money by covering the cost of repairs after an accident. This policy is optional but plays a vital role to fill gaps in your primary insurance coverage.

Comprehensive Insurance

Comprehensive insurance covers your vehicle against any damage that is not included in other policies. It can cover several damages, including fire, theft, vandalism, and weather damage.

This type of insurance is also referred to as all-risk or all-inclusive. If you want to protect your car from damage caused by unfortunate circumstances, you may want to consider purchasing comprehensive insurance.

However, in most states, this policy does not protect the vehicle against theft from the owner’s premises or a locked garage, or vandalism with intent to cause extensive damage.

Depending on your budget and the value of your car, you can choose the best coverage for you. However, settling for both collision and comprehensive insurances, which is known as full coverage, could be worthwhile.

Auto insurance policies may include repairs for the following car parts:

  • Steering system
  • Fuel system
  • Engine
  • Electrical systems
  • Cooling system
  • Transmission

Damages that Your Car Repair Insurance Won’t Cover

Insurance policies might vary from one company to another, but generally, most auto repair covers won’t cater for:

  • Damages caused by poor maintenance
  • Repairs covered under an extended warranty
  • Daily wear and tear
  • Frequent maintenance, including tire rotations, and oil changes
  • Damages from rust and corrosion.
  • Damages before you took the cover

Choose the Right Auto Repair Shop for Your Car Repairs

One of the most crucial stages after taking a car repair cover is finding the right auto repair shop. While you may have the freedom to choose where to fix your car breakdowns, it’s important to go to a repair facility that has a well-established relationship with your insurer.

Are you looking for the right auto repair facility? Our ASE certified mechanics are ready to offer you estimates that your insurer will approve in a blink. Our services cover all types of cars, including Audi, Porsche, BMW, Lamborghini, Bentley, Ferrari, and more. Contact Foreign Affairs Motorwerks today for the best car repairs and mechanics in Pompano Beach.

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    SOUTH FLORIDA’S PREMIER EUROPEAN AUTO REPAIR & RACING FACILITY

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    Give us a call today (954) 746-0488