Car insurance is often seen as a necessary evil. You need to have it by law, although there are different levels of cover possible. In most cases you pay your premium each year and never make a claim, it can feel like wasted money. But, when you have an accident you’ll be grateful that you have the insurance.
It can provide you with a rental to keep you on the road and help your car to be fixed faster. But, what about if you have a problem with your transmission, is this covered by your car insurance?
The Simple Truth
In general, the answer is no. Insurance is designed to cover unforeseen accidents and issues, not general wear and tear. A problem with your transmission is usually considered a hazard of car ownership. Over time the cogs wear and the transmission will eventually fail. It’s up to you to get the problem sorted, not the insurance company.
However, if you are in an accident this can change the story. An accident, such as a front-end collision, can cause damage to your engine and transmission. In many cases, this level of damage will be enough to write off the vehicle. But, this isn’t always the case.
In order to satisfy the insurance company, your vehicle will need to be inspected by a certified mechanic. They will need to confirm that the damage was caused by the accident. If the other party was at fault the transmission will be repaired under insurance and the third-party insurers will cover the cost.
Equally, if the accident was your fault and you have the right level of cover then your company will pay for the repair.
However, if the mechanic certifies that the transmission was damaged in the accident but the car hasn’t been properly maintained, the insurance company can still refuse to cover the cost of transmission repair. You should note that even if it is not properly maintained the cost of damage to a third-party vehicle should be covered. You’ll simply be stuck without a working vehicle.
Dealing With Transmission Issues
The transmission is one of the most complicated parts of your vehicle. It’s not something that most amateur mechanics can deal with, there are simply too many cogs that need to be taken apart and put back in the right order, or replaced if necessary.
The best approach is to find out more about your local transmission specialist. They can remove the transmission, replace it, or rebuild it. In fact, they can also help you deal with the insurance company if it’s relevant.
You should also boo yourself a regular service with your transmission specialist. This is the most effective way of reducing the risk of transmission failure. It will also help if you are involved in an accident and the transmission is damaged. The garage will have your servicing records and be able to confirm the transmission has been looked after regularly.