Does my car insurance cover damage caused by a transmission failure?

If you’re looking for a new policy, you may wonder whether car insurance covers damage caused by a transmission failure. Sometimes, people need to pay for transmission repairs or replacements themselves.

In others, your car insurance can cover your transmission if you have the right coverage, which may run more than the average cost of car insurance for people in the United States.

The transmission controls how much horsepower and torque reach your car’s wheels from the engine. It’s essential for a smooth, safe ride, and replacing a transmission often costs thousands of dollars. Here’s more information about car insurance types that cover transmissions and how a warranty could help.

Does my car insurance cover damage caused by a transmission failure?

Whether your car insurance coverage will pay for transmission damage or mechanical issues with your transmission depends on the policy you choose and the details of your claim.

In some cases, car insurance that doesn’t cover a mechanical transmission breakdown will pay for other damages, like body repairs, if the problem leads to an accident. Many types of car insurance coverage are available, and we’ll explore how each would relate to a transmission failure.

Does liability insurance cover transmission failure?

In many parts of the United States, drivers must have a minimum amount of liability insurance. It covers property damage and injuries to others, protecting you from needing to pay for their expenses after a crash. However, liability insurance won’t help if you have damage to parts of your vehicle, like the transmission.

Does collision insurance cover transmission failure?

Collision insurance covers damage to your transmission and many other parts of your vehicle if you have a car accident. Like many types of insurance, there’s usually a car insurance deductible, an amount stated in the policy that you must pay on your own before the insurance company pays for the rest of your claim.

If an issue with the transmission leads to an accident, your car insurance company may cover it. However, your rates could increase if the company decides that improper maintenance led to the problem. This is because collision coverage won’t address the mechanical problem that led to the accident.

Does comprehensive insurance cover transmission failure?

Comprehensive insurance is often part of the same policy as collision insurance. It can sometimes pay for your transmission if it sustains damage while you’re not driving your vehicle. Many comprehensive car insurance policies pay for damage from:

• Vandalism: Someone could damage your vehicle on purpose.
• Natural disasters: A flood could cause water damage to your transmission, and a hurricane, tornado, or severe storm could send debris toward your vehicle.
• Fires: An accidental fire inside your garage could easily spread to your car, destroying the transmission or other parts.
• Theft: Stealing a car doesn’t usually damage the transmission, but car thieves are often reckless. The person who takes your car could crash it and cause issues with the transmission.

Read more:

• Does my car insurance cover damage caused by a flood or hurricane?
• Does Car Insurance cover hurricane damage?

Not every insurance company provides comprehensive coverage for all of these hazards. So before you choose a policy, it’s a good idea to learn more about the best comprehensive coverage car insurance companies and the causes of damage they cover. Comprehensive car insurance costs $13 per month on average.

Mechanical Breakdown Insurance

Many people ask, does car insurance cover mechanical failure? You can choose mechanical breakdown insurance to get coverage for transmission failure, broken turbines, or other issues caused by normal wear.

It makes repairing your vehicle less expensive, letting you take care of transmission issues before they lead to severe accidents.

Case Studies: Car Insurance Coverage for Transmission Failure

Case Study 1: Emily’s Costly Transmission Repair

Emily experienced a sudden transmission failure while driving her car. The malfunction caused her vehicle to lose power and come to a complete stop on the highway. She had to arrange for a tow truck to take her car to a repair shop. Unfortunately, Emily’s car insurance policy did not include coverage for mechanical breakdowns, including transmission failure.

As a result, she had to bear the full cost of the transmission repair, which amounted to several thousand dollars. Emily learned the importance of checking her insurance policy for coverage of mechanical issues like transmission failure and decided to explore options for adding comprehensive coverage to her policy in the future.

Case Study 2: Michael’s Protected Transmission

Michael’s car developed a transmission issue that caused erratic shifting and difficulty in acceleration. He had comprehensive car insurance coverage, which included protection for mechanical breakdowns. Michael promptly contacted his insurance company and filed a claim for the transmission repair.

The insurance company approved the claim and covered a significant portion of the repair costs, minus his deductible. Michael was relieved that his comprehensive coverage provided financial assistance in handling the unexpected transmission failure, saving him from bearing the full financial burden.

Case Study 3: Sarah’s Accident due to Transmission Failure

While driving on a busy road, Sarah’s car experienced a sudden transmission failure, causing her to lose control and collide with another vehicle. Both cars sustained substantial damage. Sarah had collision insurance, which covered the damages resulting from the accident. However, her policy did not include coverage for mechanical breakdowns, such as transmission failure.

As a result, she had to pay for the transmission repair out of pocket. Sarah realized the importance of understanding the coverage details of her car insurance policy and decided to consider adding comprehensive coverage to protect against mechanical failures in the future.

What You Need to Know About Car Insurance Coverage for Transmission Failure

If a transmission failure leads to an accident, collision insurance usually pays for the accident but not the transmission repair.

However, comprehensive coverage helps if your transmission is damaged when you’re not driving, and mechanical breakdown coverage pays for repairs to your transmission. You can compare car insurance using our free, convenient tool.