​Will Car Insurance Cover Any Wear And Tear Issues?

If you're lucky, you might never need to make a major home repair. Cars, on the other hand, will eventually need some parts replaced. Tires don't last forever, and neither do spark plugs, brake pads or timing belts. So, it's worth asking whether auto insurance will cover those replacements when they need to be made.
The answer is no. Car insurance will not cover normal wear and tear. In fact, if you are in an accident because you failed to maintain your car, such as driving on bare brake pads, your auto insurance provider might not approve your claim.
​The reasoning is simple: Car insurance is designed to cover unexpected damages and losses. A smashed windshield, a stolen car, liability costs. Wear and tear damages are losses that we can plan for.
You can generally expect your provider to cover damages and losses relating to the following causes:

• Theft
• Vandalism
• Traffic accidents
• Damages suffered while parked (a falling tree, for instance)

You can generally not expect your insurer to cover damages and losses such as the following:

• Bald tires
• Worn brake pads
• Exterior rust
• Ripped or worn out upholstery
• Electrical problems
• Worn down axles

It is a general rule of thumb in insurance that you cannot expect the anticipated to be covered. Insurance will not cover the inevitable, only the possible. Even if damages or losses are common, there is a good chance that you can find a provider. If damages or losses are unavoidable, there's simply no motive for insurers to cover the risk.

​Further, insurers do expect you to take good care of whatever it is that you are insuring. A homeowner who discovers a leaky pipe and simply leaves it to drip will likely see their claim rejected when they file for the damages they've suffered as a result. The same goes for your car. If you want to make sure that you are covered in the event of an accident, make sure that anything that needs to be replaced is replaced. Also remember to take the vehicle in for regular maintenance.

Has it been over three years since you compared your coverages and rates?
Call us at your convenience and let us see how much money we can save you on your insurance.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.