Frank's Servicenter

Give Us A Call:

267-732-0717

Operating Hours:

Mon - Fri: 7:00 AM - 5:30 PM

Find Frank's Servicenter

645 Knowles Ave, Southampton, PA 18966

Operating Hours:

Mon - Fri: 7:00 AM - 5:30 PM

Find Frank's Servicenter

645 Knowles Ave, Southampton, PA 18966

Give Us A Call:

267-732-0717

When Are My Car Repairs Covered by Auto Insurance?

Car Repairs can be costly, and it’s good to know if your Auto Insurance will cover them. Let’s look at when repairs are typically covered by insurance!

Types of Coverage That Apply to Repairs

  1. Liability Insurance
    Covers damage if you’re at fault in an accident, but only for the other person’s vehicle—not your own.
  2. Collision Insurance
    Covers Repairs to your own car in an accident, regardless of fault.
  3. Comprehensive Insurance
    Covers damage from non-accident-related events, like theft, weather, or hitting an animal.
  4. Uninsured/Underinsured Motorist
    Covers Repairs if an uninsured or underinsured driver damages your car.
  5. Mechanical Breakdown Insurance (MBI)
    Optional add-on insurance that covers specific Mechanical Repairs.
 

When Are Repairs Covered?

Common situations when Repairs are covered include:

  • Accidents: If you have Collision Insurance, Repairs to your car should be covered after you pay your deductible.
  • Weather Damage: Comprehensive Insurance covers weather events, fallen trees, floods, etc.
  • Theft or Vandalism: Comprehensive Insurance also covers repairs after theft or vandalism.
  • Animal Collisions: Collisions with animals, like deer, are usually covered by comprehensive insurance.
  • Uninsured Drivers: Uninsured/underinsured coverage helps with repairs if another driver lacks sufficient insurance.
 

When Are Repairs Not Covered?

Insurance doesn’t cover everything, such as…

  • Routine Maintenance: Oil Changes, Tire Rotations, and Brake Pads are your responsibility.
  • Wear and Tear: Tires, Batteries, and other worn parts aren’t covered.
  • Mechanical Failures: Engine Breakdowns or Transmission Issues aren’t covered unless you have MBI. (Mechanical Breakdown Insurance)
 

What to Do Next!

If you think a Repair might be covered, check your policy, contact your insurer, and get an estimate. Knowing your coverage can save you time and help you plan for any out of pocket costs!

Book an appointment with us Here to get your vehicle checked out with Frank’s Servicenter at 645 Knowles Ave, Southampton, PA 18966 or call us at (215) 355-8877!

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