Does auto insurance cover transmission repair?

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Things to remember...
  • Normal wear and tear is not typically covered by insurance
  • Depending on fault and the type of coverage you have, insurance might cover transmission repairs from an accident
  • Mechanical breakdown coverage is good to have once your manufacturer’s warranty has expired

Regardless of the vehicle you drive, the transmission is an important component. If there is damage, it’s best to file a claim with your auto insurance company. But insurance will only cover certain repairs, so you need to examine how the transmission became damaged.

Normal wear and tear is something that will occur over time. Simply driving your car will cause wear and tear.

If you experience transmission problems, you need to have your car repaired as soon as possible. Insurance is not going to cover repairs that arise from normal wear and tear. You need to take care of your car and follow the recommended maintenance schedule.

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Were you involved in an accident?

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Getting involved in an accident can cause a lot of mechanical damage. If you want auto insurance to cover the repairs, you have to look at various details of the accident and the coverage that you have on your policy.

Consider who was at-fault for the accident. If the other person was at fault and you live in a tort state, then it is generally that individual’s insurance policy that will pay for the transmission repair.

The only time this wouldn’t be the case is if you live in a no-fault state where everyone’s insurance pays for their own damages.

If you are the one at fault for the accident, you will need collision coverage for your policy to potentially cover your transmission repairs.

What the state requires is not going to be enough to take care of the damages to your car if you’re at fault.

In some instances, the damage to your transmission is no one’s fault. You could have hit a deer on the road or had your transmission ruined because of a flood.

When there are acts of God or “non-collision” related incidents, comprehensive coverage may take care of the necessary repairs to your transmission.

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Do you have mechanical breakdown coverage?

Mechanical breakdown coverage is a form of coverage that is often available from auto insurance companies.

If there is a breakdown that occurs after the manufacturer’s warranty on your car has expired, you may need to turn to mechanical breakdown coverage.

Some dealerships and third parties offer the coverage, but it is often more affordable to get from your insurance company in conjunction with all of the other coverage.

In the end, insurance will cover a transmission repair in many instances, as long as it’s not as a result of normal wear and tear.

It’s best to have more than what the state requires for coverage. You can compare car insurance rates from multiple companies to find the best rates on coverage. Enter your zip code below to get started.

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