Does collision insurance cover damage caused by a mechanical failure?

No, collision insurance does not cover damage caused by a mechanical failure. Collision insurance is specifically for accidents involving collisions with other vehicles or objects. If your car has a mechanical issue that leads to damage, such as a blown engine or transmission failure, you would need a different type of insurance coverage, such as comprehensive insurance or a separate mechanical breakdown policy.

Posted by Alyssa DiCrasto

Alyssa uses her many years of experience writing about complex industries to research and create clear content that makes insurance easy to understand. She has been with Rate Retriever since its beginning, establishing our strict editorial policy and directing our comparison experience.

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