Having car insurance is a requirement for all Maryland drivers. Your policy is there to protect you, your vehicle, and your wallet when a collision or damage occurs. However, there are certain restrictions on what your car insurance policy will cover, and coverage is only applicable to specific situations. Let’s take a look at what Frederick, MD auto repairs your car insurance may cover.
Not Every Car Repair is Covered by Insurance
Standard car insurance doesn’t cover just any repair needed for your vehicle. Let’s say you’ve skipped the past few oil changes and suddenly find your car having engine problems. Your insurance company won’t reimburse you or pay for this repair, since the responsibility to have oil changes and regular maintenance performed on your vehicle is on you, the driver.
When you’re wondering what is and isn’t covered by your car insurance policy, it’s best to consider the situation surrounding the necessity of the repair, rather than the type of repair that is needed. For example, insurance can cover transmission repair, but only in cases where the damage was caused by a collision, natural disaster, or vandalism. If a transmission problem is the result of the owner’s failure to maintain the vehicle, a repair would not be covered and the driver would have to pay out-of-pocket.
A Breakdown of Car Insurance Coverage
Drivers in Maryland are required to have a basic insurance policy that includes liability insurance, which provides coverage for injuries to other people and damage to others’ property that is caused by your vehicle. But what about the damage your own vehicle sustains? That’s where collision and comprehensive coverage come in.
Collision insurance will cover repairs your vehicle needs as a result of a collision – no matter who is at fault. Whether you need tire repair after hitting a curb while driving distracted or axle repair after a collision with a driver who ran a red light, the repairs will be covered by collision insurance.
Comprehensive coverage will cover damage to your vehicle that is unrelated to a collision. This typically covers repairs for vehicle damage that occurs due to:
- Falling objects
- Natural disasters
- Fire
- Vandalism
- Theft
- Animals
Both collision and comprehensive coverage are optional additions to your standard vehicle insurance policy and can help you in paying for vehicle repairs as a Frederick, MD driver.
Get Help from the Frederick Auto Repair Experts
At Ken’s Automotive & Transmissions, our professional auto mechanics can provide timely and lasting repairs for your vehicle – whether it’s covered by your insurance policy or not. Our dedication to keeping drivers safe on the road and our affordable vehicle repair services are second to none, so give us a call today to schedule an appointment for auto repair in Frederick, MD!
