No! Auto Insurance will protect you from liability if you are involved in an accident. It protects your car from unforeseen hazards. Collision covers your car in the event of an at fault accident, Comprehensive or OTC covers your car from vandalism, animal strikes, tree branches, windshield damage, etc. Maintenance such as engine or transmission repair, tires, and drive train are not covered under your auto insurance.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Auto policies, like all insurance policies cover specified perils. That means that if the policy covers loss due to flood, such damage to a transmission would be covered. Auto policies do not cover maintenance of the mechanical portion of the car. If the loss was the result of maintenance, it wouldn’t be covered. If the damage to the transmission was the result of a collision it would be part of the adjustment of the claim.
My auto insurance policy recently paid a claim for my transmission, even though it was not accident related. Check your policy to see if you purchased a mechanical failure rider. The rider extends the manufacturers new car warranty.
Many people, like me, forget what coverage features they elect when buying a policy. It definitely pays to review your policy declarations page for opportunities to file claims.
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Many people, like me, forget what coverage features they elect when buying a policy. It definitely pays to review your policy declarations page for opportunities to file claims.