Does insurance cover a broken transmission?

Does insurance cover a broken transmission? The transmission is one of the most expensive components to repair or replace in a car. It’s a complex job that takes time, and as the saying goes, “Time is money.” Depending on your car’s make and model, replacing a transmission can cost over $7,000. Some car owners wonder if their auto insurance will cover this hefty expense.
Typically, auto insurance doesn’t cover parts that wear out from normal use; that’s what manufacturer warranties are for—unless the damage results from a covered event like theft, vandalism, a collision, or fire. For instance, if your car is stolen and the transmission is damaged during the theft, or if your car is vandalized and the transmission is affected, your insurance may cover the repair or replacement.
Imagine this scenario: your auto insurance includes comprehensive coverage, a financial safety net against unexpected events like hitting an animal, falling objects, theft, or explosions. If your transmission is damaged due to one of these covered perils, your insurer will step in to cover the repair, as per your policy’s terms. This comprehensive coverage can provide a significant financial relief and a sense of reassurance for car owners, knowing they are financially prepared for such unexpected expenses.
Similarly, if your transmission is damaged in a collision with another vehicle, a tree, or a utility pole, your insurer will cover the repair or replacement if you have collision coverage. This type of coverage is a crucial safety net, providing a strong sense of security and protection for car owners in the event of an accident, knowing that they are not alone in dealing with the aftermath.
However, it’s important to remember that this coverage will only apply if you have the minimum insurance required in Florida, which includes PDL and PIP. In that case, your insurance won’t cover the damage, and you’ll be left footing the bill for that expensive repair. This knowledge empowers car owners to make informed decisions about their insurance coverage, fostering a sense of responsibility.
If you’re looking for affordable auto insurance in Florida, contact Univista Insurance. Does insurance cover a broken transmission?

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