What You Should Know
- Brake failure incidents can result in accidents and damage to your vehicle
- Auto insurance coverage may vary depending on the policy and the circumstances of the brake failure
- It’s important to review your policy and consult with your insurance provider to understand your coverage fully
When brake failure occurs, you may not have control of the vehicle or enough space to stop it gradually. This may result in an accident, damaging your vehicle. If you’re wondering if your auto insurance covers damage caused by a brake failure, you’re in the right place.
In this article, you’ll learn whether auto insurance policies typically provide coverage for brake failure incidents and related repairs. With this insight, you’ll have all you need to choose the right affordable auto insurance policy that suits your needs.
Understanding Auto Insurance Coverage for Brake Failure
Auto insurance policies have different components that offer varying levels of coverage. Such auto insurance coverage types include liability auto insurance, collision coverage, comprehensive coverage, personal injury protection (PIP), and medical payments coverage.
Each component serves a specific purpose and may offer different levels of coverage for brake failure incidents.
Liability Auto Insurance and Brake Failure
In most states, having liability insurance is mandatory. It covers the damage and injuries to others when you cause an accident.
Should you experience brake failure and collide with another vehicle or person’s property, liability coverage will apply. However, it won’t cover the damage to your vehicle caused by the brake failure.
Collision Auto Insurance and Brake Failure
While not mandatory, it’s highly advisable to have collision overage. This type of cover caters to damages to your vehicle after a collision, regardless of fault.
With collision coverage, you’ll likely have coverage for damage caused by brake failure. However, you should review your policy for specifics to understand your coverage level. Focus on deductibles and coverage limits.
Comprehensive Auto Insurance and Brake Failure
Comprehensive auto insurance coverage offers drivers additional protection by covering non-collision incidents like vandalism, theft, and natural disasters.
In some cases, comprehensive coverage may extend to cover damage resulting from brake failure incidents. However, be sure to go through your policy or consult your insurance provider to understand your coverage level.
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Exceptions and Policy Limitations
While auto insurance companies that don’t monitor your driving generally offer coverage for brake failure incidents under collision or comprehensive insurance, certain exceptions and limitations may apply.
For example, your insurer may deny the claim if your brake failure results from neglecting routine maintenance or ignoring warning signs. It’s essential to follow the recommended maintenance guidelines for your vehicle and address any brake-related issues promptly.
Know How Much Your Auto Insurance Covers Damage Caused by a Brake Failure
In summary, whether your auto insurance covers damage caused by brake failure depends on the specific components of your policy. Each offers something unique, and the terms may vary between the best insurance providers.
Therefore, reviewing your policy and consulting with your insurance provider is crucial to ensure you have adequate coverage. If not, consider looking for insurance quotes to find more affordable car insurance to cover damage caused by a brake failure.
Frequently Asked Questions
Will my auto insurance cover brake failure incidents if I am at fault?
Liability coverage may cover damages to others if you are at fault in a brake failure incident, but it may not cover the damage to your vehicle. Collision or comprehensive coverage is more likely to provide financial protection for your vehicle.
What is liability coverage?
Liability coverage is a component of auto insurance that primarily focuses on covering damages to others in accidents where you are at fault. It typically does not extend to cover the damage to your vehicle.
How can I ensure coverage for my vehicle in case of a brake failure incident?
Including collision coverage in your auto insurance policy is ideal if you want it to cover damage to your vehicle should an accident resulting from brake failure occurs. This insurance pays to repair or replace your vehicle should such an incident occur.
What is collision coverage?
Collision coverage is an optional component of an auto insurance policy that caters to the costs of repairing or replacing your vehicle after an accident, regardless of fault. It is designed to provide financial protection for damages caused by accidents, including brake failure incidents.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance…
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