AAA mechanical breakdown insurance covers repairs to a vehicle’s major systems, including the engine and transmission. Repairs that fall under mechanical breakdown insurance (MBI) are usually excluded from standard car insurance policies, so AAA MBI is necessary in order for them to be covered.
It’s important to note that AAA mechanical breakdown insurance will not pay for routine maintenance, wear and tear, or damaged caused by an accident. Other exclusions to AAA MBI include damage to tires and brake pads.
What AAA Mechanical Breakdown Insurance Covers
Air conditioning/ heating
Front & rear wheel drive
All/ four-wheel drive
Front/ rear suspension
What AAA Mechanical Breakdown Insurance Doesn’t Cover
Mechanical breakdown insurance usually costs around $100 per year, with an average deductible of around $250. The cost can vary based on the vehicle you own and the insurance company you have your policy with, though.
Popular Companies with Mechanical Breakdown Insurance:
Mechanical breakdown insurance covers parts like engine or transmission that are not covered by your standard auto insurance policy. This type of coverage is similar to an extended warranty, except it provides a bit more coverage at a lower cost.… read full answer
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 … read full answerGeico and Allstate, offer mechanical breakdown insurance, which only costs about $100 annually.
It should also be noted that while mechanical breakdown insurance pays for system failures, it does not pay for major repairs related to normal maintenance or wear and tear.
No, car insurance does not cover engine repairs unless you have mechanical breakdown insurance or the damage is the result of a covered cause, such as a car crash. Mechanical breakdown insurance is a car insurance policy add-on that covers the failure of major vehicle systems, including the engine.
Even mechanical breakdown insurance (MBI) is not guaranteed to cover engine repairs. MBI covers engine repairs after sudden failure, but it does not pay for repairs related to normal maintenance or wear and tear. If you do not have mechanical breakdown insurance, however, you will usually have to pay for the repairs yourself. Several major insurance companies, including … read full answerGeico and Allstate, offer mechanical breakdown insurance for about $100 annually.
When Standard Car Insurance Covers Engine Repairs
If you don’t have mechanical breakdown insurance, there are only two scenarios in which a car insurance company would cover engine problems. If the engine failure is the result of a car accident, then you can file a claim with your collision insurance to fix the damage. And if the failure was directly caused by something other than an accident, such as an animal or a natural disaster, then it should be covered by comprehensive insurance.
For newer vehicles, sudden engine failure is usually covered by the manufacturer’s warranty. The manufacturer’s warranty pays for major mechanical repairs on a vehicle for a certain period of time, usually until the car is three years old or drives 36,000 miles. Mechanical breakdown insurance, which can be thought of as a car insurance company’s version of an extended warranty, only applies once the original warranty expires.
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