My Car Battery Died – Is It Covered by Insurance?

Picture this: you’re driving down a highway to meet your family for Thanksgiving, stop at a restaurant, and when you return to your car, it won’t start. The dashboard shows the battery is dead. What do you do? Is the battery covered by insurance?

Let’s break it down. If you have roadside assistance coverage, there’s no need to worry. Simply call, and a mechanic will come to your location to replace the battery, allowing you to reach your family gathering. Of course, the cost of the new battery will be your responsibility.

Now, the question of whether the battery is covered by insurance has a different answer. If you have comprehensive coverage and the battery is stolen, it would be covered. However, you should consider whether the battery’s cost is lower than the deductible stated in your policy. If it is, filing a claim wouldn’t be worth it since you’d still end up paying for the stolen battery yourself.

Another scenario involves collision insurance. If you’re unfortunately involved in an accident where the battery is damaged, the replacement cost would be included in the covered loss calculation. It’s highly likely that this amount would exceed the deductible.

In summary, car batteries are generally not covered by auto insurance, but under specific circumstances, certain coverages might include replacement. Review your auto insurance policy to ensure you have the coverages that fit your lifestyle, vehicle condition, and budget.

For any questions or to improve your auto insurance, contact Univista Insurance.