No, no-fault insurance will not pay for your car repairs after an accident. Even in no-fault states, the at-fault driver is responsible for paying for vehicle repairs after an accident, as no-fault rules do not apply to property damage. No-fault states simply require drivers to use their own personal injury protection (PIP) insurance to pay for their medical expenses after a wreck.
As a result, if the other driver is at-fault in an accident that damages your car, requiring repairs, then you need to file a property damage claim through their insurance company. But if you caused the accident, then you need to file a claim with your own collision coverage.
No, traditional car insurance does not cover ordinary repairs or maintenance to your car. If your car is covered by comprehensive insurance, your insurance company will cover mechanical repairs caused by a car accident, natural disasters, or other unforeseeable events.
Insurance companies do offer a type of coverage that policy holders can use for repairs. This coverage is called … read full answermechanical breakdown insurance (MBI), or repair insurance. MBI is offered by some insurance companies and comes with a deductible. MBI deductibles tend to be low, and in the event your car needs major mechanical repairs, this type of coverage could save you thousands of dollars. It usually covers repairs to your vehicle’s engine, drivetrain, transmission, brakes, exhaust and power system.
With many policies, MBI coverage cannot be used for car maintenance, or for tire replacement, coolant replacement or other minor repairs. It’s also important to keep in mind that some insurance companies that offer MBI only do so for newer models and vehicles under a certain mileage.
If you’re considering purchasing MBI coverage, it’s a good idea to carefully read the provider’s policy in order to understand required qualifications for and limitations of the offered coverage.
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