Does comprehensive insurance cover car repairs not the result of an accident?
Say my car randomly starts releasing smoke, or making a weird noise, will comprehensive insurance cover the repair cost for this, or does it purely cover damage to my car as the result of an accident?
Thanks in advance
- zipperLv 66 months ago
Only if it is broken glass; engine repairs are your problem unless you buy a car repair contract for engine trouble.
- oklatomLv 76 months ago
That is routine maintenance, which insurance has nothing to do with and does not cover it.
- regeruggedLv 76 months ago
Comprehensive is a misnomer. It does not cover collision damage but does cover what is listed: fire, theft, vandalism, hail, falling objects. it does not cover maintenance.Source(s): Retired claims adjuster.
- Obi Wan KnievelLv 76 months ago
No. Comprehensive does cover non-accident damage, but only direct damage to the vehicle. It doesn't cover any type of wear & tear, mechanical breakdown or maintenance costs of any kind.
Comprehensive is also known as "fire & theft" coverage, because it covers the vehicle for damage due to fire, theft, lightning, flood, hail, vandalism, falling objects, stuff like that.
The coverage you're looking for is only provided by a warranty, guarantee or other maintenance contract.
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- thebax2006Lv 76 months ago
It does not cover maintenance type repairs.
- StephenWeinsteinLv 76 months ago
No. It doesn't cover stuff that randomly goes wrong or that wears out. It also doesn't cover damage as the result of an accident. Damage as the result of an accident is covered by collision insurance. Comprehensive covers theft and covers damage from fire, hail, flood, vandalism, etc. Neither of them covers random problems.
- squeezie_1999Lv 76 months ago
no. It is not a lifetime guarantee for anything that can go wrong.
- MayLv 56 months ago
Comprehensive will not pay for routine repairs. It covers Fire, theft, vandalism, windstorm damage , hail damage, damage due to hitting a wild animal (deer),. most glass breakage...…...
- AlCaponeLv 76 months ago
No. Comprehensive insurance only covers accidental damages, not normal repairs. For normal repairs, you would have to have an extended warranty (or remaining manufacturer's warranty for a relatively new car).
- PearlLv 76 months ago
i would call thern up and ask thern