Does comprehensive insurance cover car repairs not the result of an accident?

Question

Say my car randomly starts releasing smoke, or making a weird noise, will comprehensive insurance cover the repair cost for this, or does it purely cover damage to my car as the result of an accident?

Thanks in advance

Answer 1

Only if it is broken glass; engine repairs are your problem unless you buy a car repair contract for engine trouble.

Answer 2

That is routine maintenance, which insurance has nothing to do with and does not cover it.

Answer 3

Comprehensive is a misnomer. It does not cover collision damage but does cover what is listed: fire, theft, vandalism, hail, falling objects. it does not cover maintenance.

Source(s): Retired claims adjuster.

Answer 4

No. Comprehensive does cover non-accident damage, but only direct damage to the vehicle. It doesn't cover any type of wear & tear, mechanical breakdown or maintenance costs of any kind.

Comprehensive is also known as "fire & theft" coverage, because it covers the vehicle for damage due to fire, theft, lightning, flood, hail, vandalism, falling objects, stuff like that.

The coverage you're looking for is only provided by a warranty, guarantee or other maintenance contract.

Answer 5

It does not cover maintenance type repairs.

Answer 6

No. It doesn't cover stuff that randomly goes wrong or that wears out. It also doesn't cover damage as the result of an accident. Damage as the result of an accident is covered by collision insurance. Comprehensive covers theft and covers damage from fire, hail, flood, vandalism, etc. Neither of them covers random problems.

Answer 7

no. It is not a lifetime guarantee for anything that can go wrong.

Answer 8

Comprehensive will not pay for routine repairs. It covers Fire, theft, vandalism, windstorm damage , hail damage, damage due to hitting a wild animal (deer),. most glass breakage...…...

Answer 9

No. Comprehensive insurance only covers accidental damages, not normal repairs. For normal repairs, you would have to have an extended warranty (or remaining manufacturer's warranty for a relatively new car).

Answer 10

i would call thern up and ask thern