Does Car Insurance Cover Car Mechanical Repairs
Doug Stockman • April 24, 2025
Really? No, I hate to tell you, car insurance does not cover mechanical breakdowns.
TL;DR:
Car insurance usually doesn't cover mechanical repairs from wear and tear or aging. It's for accidents and some external events (like accidents, theft or falling trees). Think of it as covering damage to your car from incidents, not fixing internal issues. Warranties and regular maintenance are your go-to for mechanical problems.
Here at Select Source Insurance, we've heard it all. From "my car spontaneously combusted due to emotional distress" to "a rogue squirrel ninja sabotaged my engine," and we're here to set the record straight, with a dash of humor to keep you from falling asleep at your keyboard.
The Short Answer:
Usually, No. But Let's Get Into Details.
Imagine your car insurance as a superhero. It's there to save the day when you're facing a villain like a car accident, a hailstorm, or a rogue shopping cart. But when your car decides to throw a mechanical tantrum, your insurance company is more like a bewildered bystander, shrugging its shoulders and saying, "Sorry, that's not my department."
Why Insurance Companies Don't Double as Mechanics (And Why It's Probably a Good Thing):
They Deal in "Accidents," Not "Aging":
Car insurance is designed to cover damages caused by accidents or unforeseen events. A worn-out transmission or a sputtering engine? That's just your car aging gracefully (or not so gracefully). It's like asking your doctor to fix your leaky roof; they're in different professions.
They're Not Car Whisperers:
Insurance companies are experts in assessing damage from collisions and natural disasters. They're not trained to diagnose why your car sounds like a bag of angry cats. Imagine your adjuster trying to figure out why your check engine light is on. It would be a comedy show.
They'd Be Broke:
If insurance companies covered every mechanical repair, they'd be bankrupt faster than you can say "warranty void." Think about it: every squeaky belt and rattling exhaust would lead to a claim. They'd need an army of mechanics, and your premiums would be the size of a mortgage payment.
If you have towing coverage or roadside assistance (used interchangeably), most policies will cover a broke down vehicle up to 15 miles. It the tow is longer, then the insured pays the difference.
What Car Insurance Does Cover (To Make You Feel Better):
Accident-Related Repairs:
If your car's engine is damaged in a collision, your insurance will likely cover the repairs if you have the right coverage. It's like fixing a broken leg after a skiing accident; it's a direct result of the incident.
Comprehensive Coverage (Sometimes):
If a tree falls on your car and damages the engine, or if your car is stolen and stripped for parts, your comprehensive coverage might kick in. But it's still about the external, non-wear and tear stuff.
Acts of God (Sometimes):
If a flood or a tornado damages your engine, your comprehensive coverage might cover the repairs. But again, it's about the external, unpredictable forces.
What You Can Do About Those Pesky Mechanical Repairs:
Get a Warranty:
If you're buying a new or used car, consider getting an extended warranty. It's like having a mechanic on speed dial, but without the awkward small talk.
Regular Maintenance:
Keep your car in tip-top shape with regular oil changes, tune-ups, and inspections. It's like brushing your teeth; it prevents bigger problems down the road.
Find a Good Mechanic:
Build a relationship with a trusted mechanic who can diagnose and fix your car's problems without breaking the bank. They're your car's best friend.
At Select Source Insurance, we understand that car repairs can be a headache. But we're here to help you navigate the world of car insurance and find the coverage that's right for you. And if your car does decide to throw a mechanical tantrum, we can at least offer a sympathetic ear and a good joke. Because let's face it, sometimes laughter is the best medicine (especially when your car is making weird noises).
Driving Smarter: Understanding South Carolina's New Hands-Free Law As your trusted independent insurance agency, we're committed to keeping you informed about important changes that impact your driving and, by extension, your insurance. South Carolina is taking a significant step towards safer roads with the new South Carolina Hands-Free and Distracted Driving Act, which goes into effect on September 1, 2025. This law is a crucial update to our state's distracted driving regulations, and it's essential for all drivers to understand its implications. What Does the New Law Prohibit? Beginning September 1, 2025, the new law prohibits drivers from using mobile electronic devices in the following ways while operating a motor vehicle on public roads: Holding or supporting a mobile device with any part of their body. This means no more holding your phone to your ear, resting it on your lap, or wedging it against your shoulder. Reading, composing, or transmitting texts, emails, app interactions, or website information on a mobile device. Watching any motion, including videos, movies, games, or video calls, on a mobile electronic device. It's important to note that this law applies to a broad range of "mobile electronic devices," including cellphones, portable computers, GPS receivers, and electronic games. Are There Any Exceptions? Yes, there are some specific exceptions where you can still use your device: When you are lawfully parked or stopped. When initiating a voice-based communication that is automatically converted to text, as long as you are not holding or supporting the device. When reporting an accident, emergency, or safety hazard to a public safety official. For navigation, listening to audio-based content, or obtaining traffic/road condition information, provided the device is not held or supported by your body. To initiate or end a cellular call without typing, and without holding or supporting the device. When using equipment or services installed by the original manufacturer of the vehicle. Penalties for Violations To allow drivers time to adjust, law enforcement officers will only issue warnings for violations during the first 180 days after the law goes into effect (from September 1, 2025). After this warning period, the penalties will be: First offense: A fine of $100. Second or subsequent offense (within three years): A fine of $200 and two points assessed against your driver's license. It's important to remember that officers can stop you if they have a clear and unobstructed view of you unlawfully using a mobile electronic device. While you cannot be arrested solely for a hands-free violation (unless you fail to appear in court or pay a fine), accumulating points on your license can impact your driving record and potentially your insurance rates. Why This Matters for Your Insurance Distracted driving is a leading cause of accidents. This new hands-free law aims to reduce those accidents, making our roads safer for everyone. For you, as a driver, adhering to this law is not just about avoiding fines and points; it's about reducing your risk of being involved in a collision. Fewer accidents can lead to: Lower insurance premiums: A clean driving record with no distracted driving violations can help keep your car insurance rates down. Avoiding claims: Preventing accidents means you won't have to go through the hassle of filing an insurance claim, dealing with repairs, or managing potential injuries. Protecting your deductibles: Each claim typically involves paying a deductible, so avoiding accidents saves you money out-of-pocket. As your independent insurance agency, we work with multiple carriers to find you the best coverage at the most competitive rates. By driving responsibly and complying with the new hands-free law, you're not only contributing to safer communities but also actively helping to protect your insurance standing. If you have any questions about how this new law might affect your specific insurance policy or if you'd like to review your current coverage, please don't hesitate to contact us. We're here to help you navigate these changes and ensure you're well-protected on the road.
South Carolina Teens will have to wait! Coming Soon: Stronger, Safer SC Driver's Licenses Are On The Way! As your trusted independent insurance agency in Spartanburg, we're always looking out for updates that impact our community. That's why we want to bring your attention to an important change coming to the South Carolina Department of Motor Vehicles (SCDMV) this fall: the rollout of more secure driver's licenses, beginner's permits, and identification cards. This isn't just a cosmetic update; it's a significant step forward in protecting South Carolinians from identity fraud and ensuring the integrity of our official identification documents. What's Changing and Why It Matters The SCDMV is modernizing the way licenses and ID cards are produced, incorporating advanced security features and upgraded materials. Here's a breakdown of what you can expect and why these changes are so beneficial: Enhanced Security Features: The new cards will be made from stronger materials and utilize state-of-the-art printing techniques, including laser engraving. This makes them significantly more resistant to counterfeiting, providing better protection against identity theft for you and a more reliable credential for law enforcement and businesses. Centralized Issuance: South Carolina is joining at least 45 other states and the District of Columbia in centralizing the production of all licenses, permits, and ID cards. This process enhances efficiency and allows for the inclusion of high-level security elements that weren't previously feasible. New Look, Familiar Symbols: While specific design details are still to be announced, the new cards will prominently feature iconic South Carolina symbols like the Palmetto Tree and the State House, making them both secure and a proud representation of our state. What Does This Mean for You? Good news! You do not need to take any immediate action. Your current South Carolina driver's license or identification card remains valid until its listed expiration date. However, here's what to keep in mind for new applications or renewals: In-Person Application, Mail Delivery: Beginning this fall, you will still apply for licenses or ID cards in person at SCDMV branches. You'll present your required documentation and complete any applicable testing. Temporary Certificate: Instead of walking out with your permanent card, you'll receive a temporary driving certificate or identification certificate. This temporary document will be valid for driving, voting, and other uses while you await your permanent card. Mail Delivery for Permanent Card: Your new, permanent, secure card will arrive by U.S. mail within 7-15 business days. Don't Wait Until the Last Minute: If your license is nearing expiration, the SCDMV encourages you not to wait until the very last day to renew. Since the new cards will be mailed, allow ample time for delivery. REAL ID Remains Important: While separate from this security upgrade, remember the importance of a REAL ID. As of May 7, 2025, a REAL ID compliant driver's license (indicated by a gold star) or another federally approved identification (like a valid U.S. Passport) is required to board domestic commercial flights or enter secure federal facilities. If you plan to fly or access federal buildings, ensure your current license is REAL ID compliant or plan to obtain one during your next renewal. We believe these advancements from the SCDMV are a positive step for all South Carolinians. A more secure driver's license helps protect your personal information and provides greater peace of mind in our increasingly digital world. As always, if you have any questions about how these changes might impact your insurance needs, or if you need assistance with any of your personal or business insurance policies, don't hesitate to contact us. We're here to help you navigate these updates and ensure you're always well-protected. More information here: South Carolina DMV - Roll Out
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