Does car insurance cover non-accident repairs? – However, car insurance policies cover non-accident repairs, such as flat tires, blown fuses, and broken windows.

What is car insurance?

It can cover property damage, medical bills, and even lost income. There are a few different types of car insurance policies, but all of them have three main components: bodily injury liability, property damage liability, and collision coverage. This includes things like damages to the car itself, loss of use of the car, and repair costs.

What is covered under car insurance?

If you have car insurance, it likely includes coverage for non-accident repairs. This generally includes fixing a flat tire, changing a light bulb, or replacing a windshield. It’s essential to check the specifics of your policy, but car insurance should generally cover the most common repairs.

What are the exceptions to car coverage?

Most people are unaware of a few exceptions to car coverage. Some more common exceptions include damage to the car due to theft, vandalism, or a hit-and-run accident.

In addition, some states do not allow car insurance companies to cover non-accident repairs, such as replacing the brakes or fixing a flat tire. If you have questions about whether your car insurance covers repair or replacement costs outside of an accident, ask your agent or look up the policy wording online.

Does car insurance cover non-accident repairs?

But what about when something goes wrong outside of the collision itself? Can your car insurance cover the costs of fixing things unrelated to the crash?

The short answer is yes. Most car insurance policies will cover repairs for items like dents and scratches that are not caused by accident.

However, there are a few crucial factors to keep in mind if you’re thinking about pursuing this type of coverage. For example, it’s essential to know whether your policy covers the repair and whether you have to pay for it yourself.

If you’re unsure whether your policy covers non-accident repairs, it’s always a good idea to speak with a car insurance company or broker representative.

How much does car insurance cost?

Unfortunately, not all repair costs are covered by car insurance. Here’s a breakdown of what’s typically covered and what isn’t:

  • Accidents: All damage caused by accident is typically covered by car insurance. This includes damage to the vehicle, any passengers or property involved in the accident, and any costs associated with cleanup or repairs.
  • Maintenance: Regular maintenance tasks like oil changes, tune-ups, and brakes/transmission replacements are usually covered by car insurance. However, damage caused by something wrong during maintenance (like a blown engine seal) is usually not covered.
  • Non-accident repairs: Repairing anything other than accidents can come with a cost, but it varies depending on the type of repair. For example, fixing a door that’s been broken for years may be free, while fixing a broken headlight may cost $100 or more.

Overall, it’s essential to understand your specific policy before making any significant repairs.

Are non-accident repairs covered under my policy?

If you have comprehensive car insurance, your policy should cover non-accident repairs, such as replacing a tire, brake pads, or a lightbulb. In most cases, your auto insurer will only require you to provide proof of the repair (such as a receipt) rather than requiring that you file a claim.


If you have a car covered by your insurance, it might include coverage for non-accident repairs. This means that if something breaks on your car and isn’t related to an accident, your insurer may be able to help you fix it. Make sure to ask your agent about this coverage before getting any work done on your car, as not all insurers offer this type of coverage.

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