If you're lucky, you might never need to make a major home repair. Cars, on the other hand, will eventually need some parts replaced. Tires don't last forever, and neither do spark plugs, brake pads or timing belts. So, it's worth asking whether auto insurance will cover those replacements when they need to be made.
The answer is no. Car insurance will not cover normal wear and tear. In fact, if you are in an accident because you failed to maintain your car, such as driving on bare brake pads, your auto insurance provider might not approve your claim.
The reasoning is simple: Car insurance is designed to cover unexpected damages and losses. A smashed windshield, a stolen car, liability costs. Wear and tear damages are losses that we can plan for.
You can generally expect your provider to cover damages and losses relating to the following causes:
Further, insurers do expect you to take good care of whatever it is that you are insuring. A homeowner who discovers a leaky pipe and simply leaves it to drip will likely see their claim rejected when they file for the damages they've suffered as a result. The same goes for your car. If you want to make sure that you are covered in the event of an accident, make sure that anything that needs to be replaced is replaced. Also remember to take the vehicle in for regular maintenance.
Has it been over three years since you compared your coverages and rates?
Call us at your convenience and let us see how much money we can save you on your insurance.
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