Budget and Save

What Is Mechanical Repair Coverage?

Erin Palmer

October 30, 2023

cars in a repair shop


Imagine leaving for work and your car won’t start. Or driving to school during the hottest part of the summer without air conditioning because it is broken. Sudden car problems can cause unnecessary stress and financial burden.

Mechanical repair coverage can help alleviate the frustration of car problems by providing protection against those unexpected repair costs.


How Does Mechanical Repair Coverage Work?

Mechanical repair coverage is a program that pays for certain vehicle repairs. Typically, mechanical repair coverage kicks in if there is a problem with the basic systems of a car.

Though an auto insurance policy helps pay for repairs after a car accident, it isn’t intended for routine breakdowns. Mechanical repair coverage is designed to help in those situations.


What Does Mechanical Repair Coverage Cover?

The specifics of a mechanical repair coverage program will vary depending on the provider. It usually covers the basics, such as:

  • Transmission
  • Engine
  • Air conditioning and heater
  • Cooling systems
  • Exhaust system
  • Steering system
  • Electrical systems
  • Fuel systems

What are the Benefits of Mechanical Repair Coverage?

The biggest benefit of mechanical repair coverage is not having to pay for unexpected repairs. After paying a deductible, the repair costs are covered.

Depending on the provider, mechanical repair coverage can also come with other benefits as well. Some programs offer things like substitute transportation while your car is being repaired or emergency roadside assistance.


Learn More About Mechanical Repair Coverage

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