Can Car Insurance Cover Transmission Repairs?

A transmission is a vital part of your car, and when it breaks down, it can be a costly repair. Most people rely on their cars to get to work, school, and other important places, so being without a car can be a major inconvenience.

If you’re wondering whether or not your car insurance will cover transmission repairs, the answer is: it depends.

What Type of Car Insurance Do You Have?

There are two main types of car insurance: collision coverage and comprehensive coverage. Collision coverage pays for damage to your car if you’re in an accident with another vehicle. Comprehensive coverage pays for damage to your car caused by something other than a collision, such as theft, vandalism, or natural disasters.

If you have collision coverage, your insurance will likely cover transmission repairs if the damage was caused by an accident. However, if you only have comprehensive coverage, your insurance will not cover transmission repairs unless the damage was caused by a covered peril, such as a fire.

What Caused the Transmission Damage?

Even if you have collision coverage, your insurance may not cover transmission repairs if the damage was caused by something other than an accident. For example, if the transmission damage was caused by:

your insurance company may deny your claim.

How Can I Increase My Chances of Getting Transmission Repairs Covered by Insurance?

If you want to increase your chances of getting transmission repairs covered by insurance, there are a few things you can do:

• Maintain your car regularly. This means getting regular oil changes, tune-ups, and other maintenance services. By doing this, you can help prevent transmission problems from developing.
• Drive carefully. Avoid speeding, tailgating, and other aggressive driving behaviors. By driving safely, you can reduce your risk of getting into an accident that could damage your transmission.
• Choose the right car insurance policy. Make sure you have collision coverage and comprehensive coverage. This will help ensure that you’re covered if your transmission is damaged in an accident or by another covered peril.

Conclusion

Whether or not your car insurance will cover transmission repairs depends on a number of factors, including the type of insurance you have, the cause of the damage, and your driving history. By following the tips above, you can increase your chances of getting transmission repairs covered by insurance.