Does Full Coverage Car Insurance Cover Transmission?
Overview
Full coverage car insurance typically includes collision and comprehensive coverage. Collision coverage pays for damage to your car if you are in an accident with another vehicle, while comprehensive coverage pays for damage to your car from other causes, such as theft, vandalism, or natural disasters.
Transmission damage is not typically covered by collision or comprehensive coverage. However, there are some exceptions. For example, if your transmission is damaged in an accident that was caused by another driver, your collision coverage may pay for the repairs. Additionally, if your transmission is damaged by a covered peril, such as a fire or flood, your comprehensive coverage may pay for the repairs.
What is Covered by Full Coverage Car Insurance?
Full coverage car insurance typically includes the following types of coverage:
- Collision coverage
- Comprehensive coverage
- Liability coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
Collision coverage pays for damage to your car if you are in an accident with another vehicle. Comprehensive coverage pays for damage to your car from other causes, such as theft, vandalism, or natural disasters. Liability coverage pays for injuries or damage that you cause to others in an accident. Uninsured/underinsured motorist coverage pays for injuries or damage that you sustain in an accident with an uninsured or underinsured driver. Medical payments coverage pays for medical expenses that you incur as a result of an accident.
What is Not Covered by Full Coverage Car Insurance?
Full coverage car insurance does not typically cover the following types of damage:
- Mechanical breakdowns
- Wear and tear
- Cosmetic damage
- Damage caused by racing or off-roading
Mechanical breakdowns are not typically covered by full coverage car insurance because they are considered to be a normal part of owning and operating a vehicle. Wear and tear is also not typically covered because it is considered to be a gradual process that occurs over time. Cosmetic damage is not typically covered because it does not affect the drivability of the vehicle. Damage caused by racing or off-roading is not typically covered because these activities are considered to be high-risk.
Does Full Coverage Car Insurance Cover Transmission?
Transmission damage is not typically covered by collision or comprehensive coverage. However, there are some exceptions. For example, if your transmission is damaged in an accident that was caused by another driver, your collision coverage may pay for the repairs. Additionally, if your transmission is damaged by a covered peril, such as a fire or flood, your comprehensive coverage may pay for the repairs.
It is important to note that the specific coverage provided by your full coverage car insurance policy will vary depending on the terms of your policy. Be sure to review your policy carefully to determine what is and is not covered.
How to Get Coverage for Transmission Damage
If you want to get coverage for transmission damage, you can purchase a mechanical breakdown insurance policy. Mechanical breakdown insurance is a type of extended warranty that covers the cost of repairing or replacing major components of your vehicle, including the transmission.
Mechanical breakdown insurance policies typically have a deductible, which is the amount that you have to pay out of pocket before the insurance company will start to pay for repairs. The deductible for a mechanical breakdown insurance policy can vary depending on the policy that you purchase.
If you are considering purchasing a mechanical breakdown insurance policy, be sure to compare the policies of different insurance companies to find the best coverage for your needs.
Conclusion
Full coverage car insurance typically does not cover transmission damage. However, there are some exceptions. For example, if your transmission is damaged in an accident that was caused by another driver, your collision coverage may pay for the repairs. Additionally, if your transmission is damaged by a covered peril, such as a fire or flood, your comprehensive coverage may pay for the repairs.
If you want to get coverage for transmission damage, you can purchase a mechanical breakdown insurance policy. Mechanical breakdown insurance is a type of extended warranty that covers the cost of repairing or replacing major components of your vehicle, including the transmission.
