Everything You Need to Know About Car Insurance Mechanical Breakdown Coverage

What Is Mechanical Breakdown Coverage?

Mechanical Breakdown Coverage (MBC) is an optional coverage that can be added to your car insurance policy. It provides protection against costly repairs that are a result of normal wear and tear. It's important to understand what this type of coverage does and how it differs from regular auto insurance coverage.

MBC typically covers any mechanical breakdown that occurs due to normal wear and tear. This means that you won't have to pay for any repairs out of pocket if you have this type of coverage. The coverage can also include towing, labor costs, and even rental car reimbursement if necessary.

What Does Mechanical Breakdown Coverage Not Cover?

It's important to understand what mechanical breakdown coverage does not cover. It does not cover any mechanical breakdowns that are a result of an accident or other type of damage. It also does not cover any repairs that result from lack of maintenance. Additionally, mechanical breakdown coverage does not cover any damage caused by a driver who is not listed on the policy.

It's also important to note that mechanical breakdown coverage does not cover any damage caused by natural disasters such as floods, fires, or earthquakes. If you live in an area that is prone to these types of disasters, you may want to consider additional coverage.

How Much Does Mechanical Breakdown Coverage Cost?

The cost of mechanical breakdown coverage varies depending on your insurance company and the type of coverage you choose. Generally, the coverage is relatively affordable and can be added to your existing policy for a minimal cost. It's important to understand what type of coverage you are getting and how much it will cost before you commit to a policy.

It's also important to shop around for the best rates and coverage. Different companies may offer different levels of coverage for different prices. Do your research to ensure that you are getting the best deal for your money.

Should You Get Mechanical Breakdown Coverage?

Whether or not you should get mechanical breakdown coverage is a personal decision. Consider the cost of the coverage, the type of car you drive, and the likelihood of mechanical breakdowns. If you drive an older car, you may benefit from this type of coverage as it can help cover the cost of repairs. However, if you have a newer car, the cost of the coverage may outweigh the potential benefits.

It's important to understand the coverage you are purchasing before making a decision. Talk to your insurance agent to get a better understanding of the coverage and how it will affect your policy.