Will my auto insurance cover non-accident repairs?

Does auto insurance cover non-accident repairs? Auto insurance does cover non-accident repairs if they fall under comprehensive coverage. Any repair that is needed due to wear and tear or mechanical breakdown is not covered by auto insurance. Auto insurance will not cover general maintenance, bad repair jobs, intentional damage or personal belongings stolen from your car.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Dec 10, 2021

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Can't-Miss Facts

  • Neither auto breakdown repairs nor bad repair jobs are covered under any form of auto insurance
  • Auto insurance does cover damage from an incident other than an accident if you have comprehensive coverage
  • Comprehensive covers things like vandalism, damage by falling objects or natural disasters, and broken windshields

Your vehicle needs repair, but you haven’t been in an accident. Can you file a claim? Does auto insurance cover non-accident repairs?

Regular maintenance or repair for a vehicle is not included in any type of auto insurance coverage. What if your vehicle was damaged by a mechanic or service done to the vehicle, does car insurance cover bad repairs? Unfortunately, it doesn’t.

Auto insurance coverage can only be used for repair if the damage is from an accident or from an incident covered by comprehensive. Even then, you only have coverage if your policy includes it.

So when does insurance cover non-accident damage? It has to fall under comprehensive. We’ll explain more below.

Enter your ZIP code in the free tool above to search for affordable auto insurance coverage for non-accident repairs in your area.

Does auto insurance cover non-accident repairs?

The only type of non-accident repair covered by auto insurance is that covered by comprehensive coverage. Comprehensive coverage is generally a component of a full coverage policy. It covers any incident that is not considered a collision.

Repairs covered under comprehensive non-accident insurance include:

  • Natural disasters
  • Broken windshield
  • Theft of vehicle
  • Theft of vehicle parts
  • Fallen objects
  • Fire
  • Riots/vandalism
  • Animals

Your coverage will depend on your policy.

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What does car insurance not cover?

Unfortunately, auto insurance is limited to what is included in the policy. According to the Insurance Information Institute, that usually includes a few basic coverage options.

If your claim doesn’t fall under either your comprehensive or collision coverage, or if you don’t have those options on your policy, then you will have to pay out-of-pocket.

Auto insurance will not cover:

  • General maintenance/wear and tear
  • A bad repair job
  • Intentional damage done by the owner
  • Personal belongings stolen from your car

What about full coverage auto insurance? Does full coverage car insurance cover repairs? The answer is still no.

Full coverage is generally defined as the coverage required by state law (liability) as well as collision and comprehensive coverage. We discussed what those auto insurance coverage options pay for above.

There is, however, coverage you can purchase called mechanical breakdown insurance that will pay for some repairs. Not all insurance companies offer it, so be sure to ask.

Which coverage does not cover the cost of the insured’s car repairs?

No auto insurance option will cover the cost of car repairs for general maintenance of a vehicle, a bad repair job, or intentional damages. However, the one coverage that never covers your car, regardless of the reason for the damage, is liability. Liability insurance pays for damage to others when you are at fault.

Non-accident auto repairs that don’t fall under your comprehensive coverage will not be covered by your auto insurance provider.

Discover how to buy auto insurance coverage for non-accident repairs in your area by typing your ZIP code in the free tool below.

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