What is covered under mechanical breakdown insurance?

Mechanical breakdown insurance covers major failures that can occur in your car, which are often excluded in basic auto insurance. Whether it’s bad brakes, transmission issues, the electrical system or any other major vehicle system malfunction, MBI covers the repairs.

What is covered by liability insurance?

What is liability coverage? Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you’re at fault. This coverage is required by most states to legally drive your vehicle. Bodily injury coverage provides payment for others injured in an accident.

Who offers mechanical breakdown insurance?

Several major insurance companies, including Geico 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.

Can I claim a blown engine on my insurance?

Typically, car insurance does not cover engine failure, even if you have full coverage. The exception is if the mechanical problem or blown engine can be directly linked to a covered claim. None of these coverages include mechanical problems or a blown engine because of normal wear and tear.

What is minimum coverage car insurance?

California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.

What happens if I only have liability insurance?

If your car is totaled and you only have liability insurance, you will have to pay to replace the vehicle yourself or file a claim with the other driver’s insurance company. Liability coverage alone does not protect your car in any way, just injuries and damage you may cause to others.