Car Insurance Coverage: Does it Include Your Battery?

Car Insurance Coverage: Does it Include Your Battery?

Car insurance is designed to cover you in emergency situations. Battery failure is a major emergency. Perhaps you are traveling out of town, and your battery malfunctions, leaving you stranded. Here is a closer look at how car insurance coverage may assist you if your battery needs to be replaced.

    • Maintenance is Important

      It’s expected that you will perform regular maintenance on your vehicle to ensure that it continues functioning properly. Most car batteries last for a few years, though they can malfunction quickly if you don’t take care of your car. Car insurance policies generally do not contain maintenance coverage for your battery or tires. Insurers expect you to handle preventative maintenance costs. However, collision coverage may handle potential battery replacement costs if your battery is damaged using a covered accident.

    • Roadside Assistance

      Roadside assistance is a popular add-on to many comprehensive car insurance policies. If you have roadside assistance, your insurer can dispatch someone to jump-start your battery if it’s having trouble. Roadside assistance also provides towing and fuel service. Be aware, though, that roadside assistance does not cover your battery replacement costs.

  • What If My Battery Wasn’t Damaged in An Accident?

It’s recommended that you research multiple types of car insurance coverage. Some insurers have different guidelines regarding how they handle non-accident repairs. If you are responsible for the damages, your car sustains in an accident, liability auto coverage steps in to handle the impacted party’s repair or replacement costs. Liability auto coverage will also cover the impacted party’s medical treatment if they sustain an injury in the accident. In severe cases, liability car insurance coverage may cover the affected party’s death expenses.

You can file a claim on the other party’s liability coverage, if someone hits you. The other driver’s car insurance may cover your battery replacement costs. Your battery may be damaged in unique ways. Your car may suffer damage by colliding with a pole or tree. Perhaps your car is totaled due to a fire or severe weather. Your repair costs should be covered if you have extra car insurance coverage.

Another critical variable to consider is your car insurance deductible. Your car insurance kicks in once you meet your financial deductible toward a covered loss. In most cases, it’s recommended that you avoid filing a claim based on a damaged battery. Car insurance deductibles are generally more expensive than paying for a new battery. Plus, filing a claim may cause your insurer to raise monthly premiums.

  • What If I’m In a Tight Financial Situation?

If you are in a rough spot financially, be aware that the price of replacing your car battery depends on your car’s make and model. It’s recommended that you speak with your insurer so they can help you assess your options.

  • Things to Consider

    Car insurance policies exclude general maintenance issues. Consider purchasing an extended warranty. A warranty will alleviate some of the financial strain associated with car repairs. Contracts are especially beneficial for handling car issues that don’t involve a collision.

Contact 01 Insurance!

At 01 Insurance, we’re here to help you find the right car insurance policy that suits your needs. Comprehensive and collision coverage may cover battery replacement costs in some circumstances. Contact us if you have any questions about car insurance.

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