Does car insurance cover battery replacement?

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Things to remember...

  • Routine maintenance is not covered by car insurance
  • There are only a few scenarios in which insurance will cover battery replacement
  • Batteries are often affordable to replace and therefore not worth the cost of paying the deductible

When you have auto insurance, you expect it to cover everything. Unfortunately, some issues will not be covered by insurance. You have to look at the full extent of your coverage and understand what it all means.

If you have a problem with your battery and need it replaced, it’s important to know whether you can file a claim with the insurance company or not.

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Replacing a Battery Because It’s Dead

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The cost of a battery varies based upon the make and model of your car. Batteries will go dead over time. While it’s possible to give them a “jump” with voltage from another car or from a jump starter, it is only a temporary solution.

Many batteries will only last between three and five years. In hot conditions, they are likely to last even less time. Unlike brakes and other car parts, they often give no notice that they are going to die. You could go to start your car and find that your battery has died.

The cost of a car battery will vary based on size and brand. On average, they are between $50 and $300.

The cost falls under routine maintenance for a vehicle. It’s not something that insurance companies would pay for in most instances. This means that it’s in your best interest to simply focus on replacing the battery without filing a claim.

It will allow you to get your car repaired and back on the road.

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Replacing a Battery Because it’s Been Damaged in an Accident

When you are involved in a car accident, you file a claim with the insurance company. During the claims process, an adjuster will look at your car. This examination generally involves visiting the body shop.

Someone will take a look at the full extent of the damage. They will then calculate what needs to be repaired or replaced and establish a total cost of replacement.

Depending upon the accident, your car battery might be part of the damages. The car insurance company would pay to replace the battery, along with everything else that has been identified as being part of the accident.

Repairs and replacements are done to your car once you pay the deductible. Depending upon your policy, this deductible could be $500 or higher. Higher deductibles will generally result in lower premiums.

If you look at the cost of the repairs from the body shop versus the deductible, it will be easy to determine if it’s worth paying the deductible.

If the repairs and replacements only add up to $400 and you have a $1,000 deductible, it’s easier to pay for the repairs and replacements out of your own money. The insurance company wouldn’t have to get involved because it’s not worth the cost of the deductible.

Exploring the Level of Car Insurance Coverage

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You want insurance to cover as many expenses as possible. While there is no coverage that will take care of the day-to-day expenses, such as oil changes and battery replacements, there is coverage that will take care of everything else.

Often, it’s better to go above and beyond state minimums for insurance coverage so you can file a claim for car accidents, collisions, hit and runs, hail damage, and much more.

The cost of car ownership is something you need to calculate. You might have car payments, the cost of gas, as well as car insurance premiums. You should also factor in the cost of other things, including:

  • Oil changes
  • Battery replacement
  • Tire replacement
  • Transmission flushes

It’s impossible to know when you will need a tire or battery replacement. Other things, such as oil changes and transmission flushes will be a part of your car’s maintenance schedule.

To maintain your car the best possible way, it might be advantageous for you to seek car insurance as well as an extended car warranty. This warranty will help you to keep your car running in the best possible condition while having financial protection through the year.

By creating a comprehensive budget, you are able to be a more responsible car owner. You will be able to deal with the various expenses as they come up.

Additionally, if insurance doesn’t cover something, you will still have the money in your budget to take care of everything sufficiently.

Battery replacements are costly, but they are often less than a deductible.

Further, car insurance won’t cover a battery in most instances.

Only if the battery was damaged in an accident will the carrier take care of the costs. You have to know how best to protect your car and ensure you don’t waste time filing claims for things that are not covered.

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