Will insurance cover a broken axle during normal driving?
2 Answers
Insurance does not cover a broken axle in a car. Here are the relevant details: 1. Broken Axle: This usually refers to the fracture of the car's trailing arm. If the car's chassis design is flawed, forces from bumps, collisions, turns, or tilts during use can cause the trailing arm to twist and deform, and in severe cases, even break. 2. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles.
I'm a veteran driver with twenty years of experience, and I've encountered a broken axle once. I was driving normally when suddenly there was a loud clunk from the chassis, and the wheel went crooked. To be honest, whether insurance covers it depends on the situation: if the broken axle was caused by a car accident, like hitting something, then your comprehensive commercial insurance might cover it because it counts as accidental damage. But if it's due to vehicle aging or manufacturing defects, like a rusted bearing snapping, insurance generally won't cover it—they consider it the owner's fault for poor maintenance. I recommend calling your insurance company immediately to report the incident, provide on-site photos, and then have a repair shop inspect the cause. Regular maintenance of tires and the drivetrain can prevent broken axles—don't wait until it's too late to regret it. The repair cost can be quite expensive, running into thousands, so safety first.
