LOS ANGELES, Feb. 2, 2019 /PRNewswire-PRWeb/ -- Compare-autoinsurance.org has launched a new blog post that explains what is mechanical breakdown insurance and why drivers should purchase it.
A mechanical breakdown can be a serious inconvenience for many drivers. The high costs for repairing mechanical parts, or even replacing them, can seriously affect the drivers budget. Many drivers that have insurance, do not anticipate they will have to pay for repairs that are necessary after a mechanical breakdown:
The mechanical breakdown insurance coverage will help pay for the mechanical repairs that are not the result of a collision or accident. Although similar with the extended warranty, the mechanical breakdown insurance has the advantage of not having limits on what repairs can be done.
Mechanical breakdown insurance does not cover damage caused by corrosion, lack of maintenance, improper maintenance, everyday wear, improper use of the vehicle, and intentional damage caused by the policyholder.
Mechanical breakdown can be very expensive. The policyholder can pay even $3.000 to replace or repair certain car parts. Depending on the coverage level, the policyholder has purchased, mechanical breakdown insurance will cover the costs to repair or replace certain car components.
Basic level of coverage pays for:
- Engine parts, like oil pumps, valves, pistons, flywheel
- Transmission and transaxle cases, together with their internal components
- Driving axle and internal components
Additional coverage will reimburse the policyholder the costs to repair or replace the fuel system, steering, and even the air conditioning system.
Before purchasing mechanical breakdown insurance, policyholders should consider checking their car warranty, to see if the plan duplicates their warranty services. Other things to consider are the deductibles, the coverage limits, vehicle mileage limitations, and any exclusions.
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SOURCE Compare-Autoinsurance.org
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