Does car insurance cover non-accident repairs?

Car insurance covers non-accident repairs through comprehensive insurance, but it won't cover damage from bad repairs. Car warranties can cover non-accident repairs for up to three years, but they won't cover damage from natural disasters or car accidents. Shop around and compare auto insurance companies to secure coverage for non-accidents.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 23, 2022

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The Highlights

  • Your car insurance company covers property damage from a fire, flood, or vehicle theft
  • Comprehensive car insurance covers vehicle repairs from a non-accident
  • Car insurance companies won’t cover damage from mechanical breakdowns or normal wear and tear

Did you know car insurance covers non-accident repairs? There are some situations where auto insurance companies can provide coverage to your vehicle if you weren’t in an accident.

But does insurance cover all non-accident damage? Our guide explains everything you need to know about what car insurance companies cover when it comes to non-accident types of repairs.

Also, we’ll show you how to compare car insurance at multiple companies to secure the best deal.

After you’ve learned more about car insurance coverage for non-accident repairs, enter your ZIP code in the free online quote tool above to compare multiple companies.

Does car insurance cover non-accident repairs?

The short answer is yes. Auto insurance companies cover specific non-accident repairs under comprehensive car insurance.

But how does comprehensive coverage work? Comprehensive auto insurance pays for non-accident repairs that don’t involve a collision.

Here’s a list of non-accident events that comprehensive insurance covers:

  • Damage from animals
  • Fire damage
  • Vehicle theft damage
  • Natural disasters (storms, hail, and flooding)
  • Vandalism
  • Falling objects

These events are all examples of non-accidents. Theft and vandalism are intentional, while natural disasters are random occurrences that no one can control.

If your car needs to be repaired because of one or more of these situations, your auto insurance company will cover it.

However, your car insurance company won’t repair vehicle damage from normal wear and tear or sudden mechanical failure.

Does car insurance cover non-accident damage?

It depends on how the damage occurred. If you have comprehensive insurance, your auto insurance company will pay for damage related to accidents that don’t involve a collision.

Car insurance companies won’t cover damage from bad repairs, faulty maintenance, or normal wear and tear.

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What does car insurance cover?

Auto insurance coverage depends on your  insurance policy. If you want the bare minimum coverage option, you’ll only need liability car insurance.

Liability insurance covers other drivers’ bodily injury and property damage expenses when you’re at fault in an accident.

Meanwhile, collision auto insurance pays for your property damage expenses regardless of fault.

When you add comprehensive insurance and collision insurance to your auto policy, you’ll have something known as full coverage auto insurance.

However, full coverage car insurance is more expensive than liability-only coverage.

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage car insurance is $90 a month.

Sometimes full coverage comes with additional perks, such as roadside assistance and rental car reimbursement.

What does car insurance not cover?

Auto insurance companies won’t cover specific situations. Check out the list below to see events that car insurance companies won’t cover.

  • Mechanical failures
  • Faulty repairs
  • Maintenance service or errors
  • Damage from rust

Car insurance won’t cover negligence from drivers, mechanics, or auto repair shops, but you can get help with vehicle expenses if you have a car warranty or mechanical breakdown insurance.

Continue reading to learn more.

Can a car warranty cover non-accident repairs?

It depends on your situation. Vehicle warranties cover sudden mechanical breakdowns. If your vehicle needs to be repaired, check on your car’s warranty.

New cars have a warranty that lasts up to three years or 36,000 miles, whichever comes first.

Extended warranties give you more time and more mileage limits (usually the same amount as a standard car warranty).

But what about mechanical breakdown insurance? Read on to learn how mechanical breakdown insurance covers non-accident repairs.

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Does mechanical breakdown insurance cover non-accident repairs?

Mechanical breakdown insurance (also known as car repair insurance) provides coverage for repairs that aren’t related to accidents.

Here’s a list of things that car repair insurance covers.

  • Air conditioning
  • Cooling systems
  • Electrical systems
  • Engine
  • Exhaust
  • Fuel systems
  • Steering components
  • Transmission

But, mechanical breakdown insurance won’t cover repairs or damage related to a car accident.

GEICO’s mechanical breakdown insurance program is often mistaken as a GEICO extended warranty.

Although extended warranties are similar to car repair insurance, they differ in mileage limits.

Car Insurance Coverage for Non-Accident Repairs: The Bottom Line

Auto insurance companies cover non-accident repairs through comprehensive coverage.

If the vehicle is damaged in an accident that doesn’t involve a collision, your car insurance company will cut a check for the repair cost.

Non-accident damage from bad repairs, poor maintenance, and normal wear and tear isn’t covered by auto insurance.

Now that you know how car insurance covers non-accident repairs, enter your ZIP code into our free online quote tool to compare multiple companies in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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