All vehicle owners in the state of Indiana are required to have limited liability insurance coverage on their vehicles. But this type of insurance coverage does not cover automotive repairs and car maintenance services, nor offer extended warranties. If you want to be covered in the case that your car breaks down or requires a major repair, you’ll need to seek out an additional policy separate from your standard auto insurance.
Continue reading to learn what you need to know about car insurance coverage so that you can make the best decision for your automotive protection interests.
Auto Repair Insurance Coverage
Insurance coverage for auto repairs and car maintenance is not included in your standard car insurance policy. Some insurance policies do include coverage for auto body work in the case of an accident or collision, but not limited liability policies. If you have the state minimum insurance coverage, you are not covered for auto body work for your own vehicle, but any other vehicles affected in the collision will be covered under your policy, but only to a certain damage cap.
To be covered under an insurance policy for auto repairs and warranty protection, you will need to either add to your current car insurance policy or seek out a separate policy, either with your same insurance company or a different one. Insurance coverage for automotive repairs is typically pricey. For this reason, it is encouraged to call around to multiple insurance carriers to compare rates and get the best deal. Your current automotive insurance carrier may not provide the best deal for auto repair insurance coverage.
Additional Considerations for Car Repair Insurance
When researching car repair insurance policies, you will find that there are different types of coverage. Different levels of coverage will render different policy prices. The more coverage, the higher the price of the policy, and vice versa. Car repair insurance policies are offered in partial or full coverage.
Another consideration is the deductible. Just like any other insurance policy, car repair insurance policies will come with deductible terms. Before being qualified for automotive repairs, you will be required to pay your policy deductible, upfront. This is something to think about since the deductible you choose will have an impact on the monthly cost of your policy.
Then there is the hassle of making an insurance claim. Everybody knows that the process of filing an insurance claim, whether for car repair or auto body work, is a complicated process, filled with all sorts of roadblocks. Ultimately, insurance companies want to pay out as little as possible for every single claim, and their employees are specifically trained to lower the value of any claim that comes through their office. This is something to think about when deciding if car repair insurance is something that is compatible with your budget and overall automotive protection needs.
Are you looking for a reliable Indianapolis auto repair shop that won’t charge you an arm and a leg for car repair or maintenance? Contact Northeast Auto Service at 317-475-1846 for professional automotive service and repair in Indianapolis, Indiana. Request a free estimate, or schedule service, today.