Car insurance is one of the things that should be considered when you buy a new car because this insurance will help you with unexpected costs when things go wrong.
Maybe some of you are wondering will car insurance will cover transmission. The answer is possible. But you have to pay attention to a few things there are several car insurances.
You should be able to tell the difference between a specific mechanical damage insurance policy and traditional insurance. Because in traditional insurance usually they do not cover the cost of repairing the transmission unless you have a car accident.
Before we discuss further car insurance related to transmission damage, insurance will cover the cost of repairs under certain conditions.
When Can Car Insurance Cover Transmission Repair Costs?
Buying an insurance policy should also pay attention to what the benefits are for you. If your car’s value is high, you can look for insurance that can also pay for transmission damage.
Because most insurance does not pay for changing the transmission unless your car has an accident due to certain conditions. Then what conditions can be covered by car insurance if there is damage to the transmission?
The following are some events that may be able to disburse the cost of replacing the transmission from the insurance policy that you have purchased:
-
Comprehensive Coverage
For insurance to provide the cost of changing the transmission, some events beyond your control cause damage to your cars, such as theft, broken glass, fire, extreme weather, and vandalism.
If you experience any of the above events and damage occurs to your car, chances are that the insurance company will reimburse the cost of the damage by reducing your balance.
-
Accident
An accident is one of the causes of a damaged transmission that can still be replaced by insurance. For example, if you hit another vehicle or a certain object, fence, or tree, it can be deducted from your balance.
This insurance can cover the cost of transmission damage if your car is parked and accidentally hit by someone else.
However, there are several considerations by the insurance company when disbursing the cost of replacing the transmission. One of them is if you experience transmission damage caused by accident, the insurance company will find out who is responsible for the accident.
If you are negligent, likely, the insurance will not provide the cost of replacing the transmission. But if you are a victim, insurance can help cover the cost of repairing the transmission.
-
Uninsured Riders
When an accident caused by another driver damages your transmission, the driver does not have an insurance policy, so the one who will pay for the repair is your car insurance policy.
The transmission replacement will be taken from your balance up to the limit of your insurance policy.
Apart from the above events, transmission repairs often occur due to normal wear and tear or inadequate maintenance.
Then will car insurance cover the transmission? Of course, the car insurance policy will not cover if you experience a transmission repair due to wear and tear.
It’s different if there is a transmission repair in the 3-car insurance coverage above. If caused by accident, the transmission repair can still be assisted by insurance.
Wear and tear on a car happens from time to time, which is normal. But unfortunately, wear and tear are not covered by traditional insurance.
But some insurance companies provide other coverage options, including transmission damage. Here are some offers that may be provided by car insurance regarding transmission wear:
1. Warranty
If you buy a new car, you will usually get a warranty and an extended warranty. This warranty will help you when there is damage to the car, including the transmission.
If you meet certain criteria, you can choose an extended warranty because this is very important for your vehicle.
2. Mechanical Breakdown Insurance
MBI is an auto repair insurance covering all car repairs, from routine repairs to related car transmissions.
Then will car insurance cover the transmission? Of course, you have chosen MBI coverage, especially for transmission maintenance.
