No, Allstate does not offer mechanical breakdown insurance, but vehicle service plans are available. An Allstate vehicle service plan is a policy add-on that covers mechanical problems, such as transmission or engine failure, and it is very similar to mechanical breakdown insurance.
The biggest difference between mechanical breakdown insurance (MBI) and a vehicle service plan is that vehicle service plans are often significantly more expensive than MBI. Additionally, vehicle service plans are usually written and administered by a third-party company, even though you purchase them from your insurer, while MBI normally involves just your insurer.
Neither mechanical breakdown insurance nor a vehicle service plan will pay for routine maintenance, wear and tear, or damage caused by an accident. Other exclusions to Allstate vehicle service plans include filters, fluids, tires, brake pads, spark plugs, and any damage caused intentionally or by improper maintenance.
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