McKayla Girardin, Car Insurance Writer
@mckayla_girardin
No, full coverage does not cover electrical failure unless the damage was caused by a covered incident such as a car crash or vandalism. Otherwise, electrical failure is not covered by any components of standard full coverage car insurance policies, such as collision or comprehensive insurance. However, you may be able to use mechanical breakdown insurance, if you have it, to cover electrical failure.
Full coverage car insurance normally includes comprehensive and collision insurance and at least the minimum insurance coverage required by state law. Full coverage policies are designed to provide protection for car accidents and non-accident-related damage to ensure the policyholder is covered regardless of fault.
To learn more, check out WalletHub’s guide to full coverage car insurance.
People also ask
Does car insurance cover mechanical problems?
No, car insurance does not cover mechanical problems unless you carry mechanical breakdown insurance. Mechanical breakdown insurance is a policy add-on that covers the failure of major vehicle systems such as the engine or transmission.
Standard car insurance policies do not provide this coverage, so if you don’t purchase mechanical breakdown insurance, you will have to pay for the repairs yourself. Several major insurance companies, including Geico and Allstate, offer mechanical breakdown insurance, which only costs about...
read full answerWhat is mechanical repair coverage?
Mechanical repair coverage is an extended car warranty package that pays for repairs after a vehicle experiences mechanical failure. Mechanical repair coverage specifically applies to the basic systems of the car, including the engine, transmission, brakes, and steering. It does not cover normal wear and tear or general upkeep, such as oil changes or battery replacement.
Mechanical repair coverage plans are similar to mechanical breakdown insurance, except drivers buy mechanical repair coverage from an independent provider,...
read full answerWhat is the difference between mechanical breakdown insurance and an extended warranty?
The main difference between mechanical breakdown insurance and an extended warranty is where you buy them. Mechanical breakdown insurance (MBI) is typically purchased through a car insurance company, whereas an extended warranty is usually purchased through a dealership, manufacturer, or third-party company.
Both MBI and extended warranties cover expensive repairs to ageing vehicles. While their coverage areas are similar, extended warranties are usually much more expensive than MBI. Typically, MBI is added to an...
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