One of the main purposes of an auto insurance product is paid-for assistance in times when your car breaks down or gets damaged. That’s why it is wise to invest in a car insurance product because you’ll never know when your car might act out and malfunction. As to which car repairs can be paid for by your insurance provider, let GoBear help you with that through this list.
Primer on Car Repairs
We define car repair as the service rendered by a professional whose job is to fix damages and irregularities on vehicles. It can be done through auto repair shops, either included in the services offered by the car dealer from which you bought your car or a third-party shop. Repairs can also be done through a qualified car mechanic who can do on-the-spot fixing of damages a car sustains, like a blown tire. Car insurance providers may have different definitions for what constitutes a qualified repair, so it’s best to consult the fine print of the policy you bought or ask the provider for clarification purposes.
Car Repair #1: Airbag Reinstallation
Some insurance companies volunteer to cover the costs of reinstalling airbags as one of the car repairs for when a vehicle is involved in damage- or loss-inducing accident. But what if the airbag malfunctions and gets inflated even if there is no crash? Specifics may vary depending on the insurer.
Car Repair #2: Minor On-site Repair
On-the-spot automotive servicing during times when a car is stalled somewhere because of damage can be availed via car insurance. As to what kind of repairs is available, we define the most common ones in separate entries below. For special cases not commonly explicitly cited, insurers may cover those on a case-to-case basis.
Car Repair #3: Vehicle Jumpstarting
This is one of the most common car repairs available, also known as battery boosting. Vehicle jumpstarting involves the reviving of a dead battery in a car that has stalled and refused to start. Sometimes, a kind person with a car and a set of jumper cables can help you jumpstart your stalled vehicle, but in case you had to call a car repair person to do that for you, some auto insurance providers can foot the bill.
Car Repair #4: Emergency Fuel Delivery
While this is not exactly what we commonly interpret as car repairs, this is also one of the services that a car mechanic can provide, and is helpful when you were not able to make it to the nearest gas station for fuel.
Car Repair #5: Tire Replacement
Ideally, a person who owns a car knows how to change the tires on his car in case one of them flattens or blows up. But what if there are two tires that are blown and you have only one spare tire (as most cars do)? A car mechanic can help you with that, and your car insurance could cover the costs involved.
Car Repair #6: Locksmith Service
Sometimes, you lose your car keys. Other times, your keys get locked in the car. Whatever the reason, you can’t ride your car because you don’t have your keys, right? A locksmith can help you with that, but it comes at a cost, sometimes amounting to thousands of pesos. But it’s not a worry if it is included in the car repairs that your insurance can shoulder.
Car Repair #7: Fuel Line Cleaning
Part of car maintenance procedures is the cleaning of fuel lines, to get rid of build-ups and deposits. If left unchecked, an unclean fuel line can lessen engine performance, cause smoke in the car, and lead to dirty emissions and the occasional switching off of the engine while driving. For each scenario, especially the latter one, it is useful to avail of car repairs that fix such a problem.
Car Repair #8: Towing Service
When your stalled vehicle can’t be repaired on-site, probably because it is blocking traffic or for any other reason, a towing service can be useful to bring your vehicle to a shop for car repairs. But that entails some payments as well, which might not be a problem if you got the right car insurance.
Car Repair #9: Windscreen Cover and Repair
Not a lot of car repairs clauses in insurance policies include windscreen repairs. But for those that do, the coverage helps with instances when accidents (and sometimes even crimes like random people throwing rocks at your car) lead to cracked or broken windshields.
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GoBear Philippines helps you compare car insurance terms so you can find the one with the most car repairs covered.
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