Have you ever wondered if you were covered in the event of an engine failure or a dead battery? We all know that vehicle breakdowns are inconvenient and can cause financial strains. All cars will at some point have parts that wear out, as a result of using your vehicle daily. So does Florida auto insurance cover your car if it breaks down?
In order for you to qualify for coverage on your repairs, your vehicle damages will need to be caused by an unintentional circumstance. Let’s discuss an example. Let’s say you are victim to vehicle theft. The robber tries to steal your car and in the process damages your steering column and ignition. Luckily your policy will cover this due to the damage being accidental.
As you may already know, your auto insurance in Florida will also cover you if someone rear ends your vehicle and causes tire, trunk, and bumper damages. According to https://floridainsurancequotes.net/florida-auto-insurance/ your collision coverage will pay for damages that results from wrecks/accidents.
If your car needs repaired due to these circumstances you FL auto insurance will help with costs. If you are determined to be at fault for an accident, you can still file a claim for the damages.
There are breakdowns that your insurer will not provide coverage for. Any types of mechanical breakdowns due to normal wear and tear of your vehicle will not be covered. Normal wear and tear happens to all vehicles. Vehicles will need routine maintenance such as oil changes, new tires, alignments, and others. It is up to the owner to get their car checked regularly. By performing routine maintenance you can avoid major repairs in the future. By neglected routine maintenance you should also expect to pay tons out of pocket, once a part on your car fails.
Florida auto insurance from https://floridainsurancequotes.net/florida-auto-insurance/ will cover you for accidents. However, normal wear and tear on your vehicle will not be covered. That is your responsibility to pay out of pocket. Be sure to use your vehicle with care in order to avoid costly maintenance. For example never drive your vehicle recklessly. This would include racing and driving off road.
Always make sure that your vehicle is maintained
Be sure to keep your vehicle maintained in order to avoid high out of pocket repair costs. Here is a list of what you should check when it comes to regular maintenance:
- Oil changes
- Air Filter
- Battery replacement
- Tire rotations
- Regular state inspections