When Can A Virginia Auto Insurance Company Deny Me Coverage?
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Although there's arguably no such thing as "full coverage," many consumers use this term to refer to a policy that both meets state requirements and includes protection for the insured car's own physical damages, which are called comp and collision. Whether issues with mechanical parts will be covered under a car insurance policy depends on what caused the problem.
For example, if the issue is solely mechanical and not the result of an accident, it won't be covered and the vehicle owner would need to have a warranty or mechanical breakdown insurance policy to pay for the expenses.
But mechanical problems can be covered in certain situations. If the damage occurred in a traffic accident caused by a third party, and they are insured, their property damage liability protection will pay for the damages. If the insured is at fault, collision auto insurance coverage would need to be in place for the damage to be covered. Comprehensive coverage would pay for repairs that are caused by something other than a collision, such as a falling tree limb, contact with an animal, or theft.
It's not out of the ordinary for a vehicle to sustain mechanical damage after an accident. With most engines located in the front of vehicles, a front-end impact will often damage some of the components responsible for the operation of the automobile. One of the more common items damaged in front-end collisions is the radiator, which will need to be replaced.
Also, a vehicle struck in the front may also need a new condenser for the air conditioner. In order to install a condenser, a mechanic would need to perform an "evacuate and recharge" and recover the refrigerant. This procedure can cost over $300 without adding the cost of parts. But if this happened because of an accident, it would be covered under the insurance.
It is safe to assume that almost anything under the hood of a vehicle would be considered a mechanical part. An alternator, fans, belts, hoses, and, of course, the engine would all need to be repaired by a mechanic. These types of repairs are typically more costly than auto body work because the hourly rate for "mechanical" labor is more than "body" labor—sometimes substantially more. Fortunately, if it's caused by a traffic-related accident and the proper coverage is in place, it will be covered.