Can Car Repairs Be Covered by Insurance?
2 Answers
Normal car repairs can be covered by insurance, depending on the type of insurance policy you have, the cause of the vehicle damage, and whether it falls within the scope of the contract. For vehicles that need to file an insurance claim, you must contact the insurance company before repairs. The insurance company will assess the damage to the vehicle and then compensate according to the actual loss. Below are situations where insurance companies may refuse compensation: No compensation for illegal driving: No compensation for drunk driving, driving without a license, or if the vehicle registration or driver's license has not been inspected. In these cases, the driver is not qualified to drive on the road and is in serious violation of traffic laws. Additionally, insurance companies will refuse compensation if the driver does not match the permitted vehicle type or drives on highways during the probationary period. No compensation for restarting after water damage: If the engine stalls after driving into deep water and the driver forcibly restarts it, causing engine damage, the insurance company may refuse compensation, considering the loss was caused by improper operation.
Last summer, I was rear-ended while driving, causing severe damage to the rear of my car. The repairs cost over five thousand. I immediately called my insurance company to report the incident. They sent someone to take photos and verify, confirming it was a no-fault accident on my part. My comprehensive insurance covered the repair costs, and I only had to pay a $500 deductible. Filing an insurance claim for car repairs is feasible, provided the damage is due to an accident, theft, natural disasters, or other insured events. However, routine maintenance like oil changes or brake pad replacements isn’t covered. The key is to purchase a good insurance package, such as adding collision coverage. After an incident, don’t delay—contact your insurer immediately with photos and reports to avoid claim delays. Drive carefully, review your policy regularly, and stay safe while saving money.
