Can non-accident repairs be covered by insurance?

[CamillaMarie]

Non-accident repairs cannot be covered by insurance. Reasons for non-reimbursement: Normal wear and tear does not fall under the coverage of auto damage insurance. This is to regulate insurance activities, protect the legitimate rights and interests of insurance participants, strengthen supervision and management of the insurance industry, maintain social and economic order and public interests, and promote the healthy development of the insurance industry. Auto insurance reimbursement process: Obtain a traffic police certificate by presenting your driver's license, vehicle registration, and ID card. The on-site traffic police will fill out the "Traffic Accident Liability Confirmation Form." Fill out the claim form and undergo damage assessment. After the claims adjuster completes the preliminary on-site damage assessment, review and sign the claim documents, then both parties sign to confirm. Issue a letter of authorization to the repair shop for insurance claims, pay your portion of the repair costs, and then proceed with reimbursement.

[VanAdriel]

Last year, my car's engine had issues not caused by an accident. I naively thought I could save some money by filing an insurance claim, but the insurer clearly stated that standard auto insurance only covers collisions, theft, or natural disasters—mechanical failures or natural wear and tear are all out-of-pocket expenses. I ended up paying a hefty repair bill. Learning my lesson, I now set aside money monthly into a maintenance fund and stick to regular servicing to prevent major issues. I recommend checking your policy details to avoid misunderstandings—some extended warranty products or add-ons might cover certain non-accident repairs, but they usually require extra payments with questionable cost-effectiveness. When trouble strikes, prioritize DIY solutions or reputable local repair shops.

[MaggieDella]

We often hear customers asking this during car repairs. In fact, the core of car insurance is to protect against unexpected accidents, such as collisions or hail damage, while non-accident repairs like replacing aging parts or system failures are all the owner's responsibility. The insurance premium you pay is calculated based on risk, and covering routine maintenance would only cause costs to skyrocket. I recommend that car owners develop a proactive maintenance routine—fixing minor issues early saves both money and effort. Also, check if there are any hidden clauses in your policy. If funds are tight, compare multiple quotes to find an affordable option, and don’t rely on insurance to cover everything. Remember, the principle of prevention being better than cure is most effective in car maintenance.

[GarrettMarie]

Having handled insurance policies for years, I confirm that non-accident repairs cannot be claimed under standard auto insurance. Accident coverage is designed for sudden incidents like collisions or theft, while mechanical issues or routine wear are the owner's responsibility. However, when purchasing a new car, extended warranties or specialized services may be available—some brands offer breakdown protection, though these options are non-standard and costly. The key advice is to read the contract thoroughly before deciding, and calling customer service directly for details is the quickest and most reliable approach. Remember: insurance is not a maintenance tool but a risk buffer, so planning your budget in advance is more practical.