Mechanical breakdowns are an unfortunate reality when it comes to owning a vehicle. To protect yourself from unexpected repair costs, it’s essential to have the right insurance coverage in place. That’s where Mechanical Breakdown Insurance comes into play. In this article, we’ll delve into the details of Mechanical Breakdown Insurance, explore what it covers, and highlight the differences between this type of insurance and vehicle warranties.
What Is Mechanical Breakdown Insurance?
Mechanical Breakdown Insurance is a comprehensive insurance plan that provides protection against mechanical failures throughout the entire term of coverage. It covers repairs that result from mechanical breakdowns, excluding routine maintenance. It’s important to review your coverage plan to understand which types of repairs are included and excluded for your specific vehicle.
Difference Between Mechanical Breakdown Insurance and Vehicle Warranties
Unlike manufacturer warranties that typically cover repairs resulting from defective materials or improper manufacturing, Mechanical Breakdown Insurance offers broader protection. Manufacturer warranties also have limitations, with coverage durations varying for different parts. Mechanical Breakdown Insurance, on the other hand, fills the gaps in coverage during the valid term of your manufacturer’s warranty. Additionally, purchasing an extended warranty can be costly upfront, whereas Mechanical Breakdown Insurance allows you to pay as you go at an affordable rate.
Progressive Vehicle Protection vs. Mechanical Breakdown Insurance
Progressive offers two products that provide breakdown protection: Mechanical Breakdown Insurance by Good Sam and Progressive Vehicle Protection. While both options offer protection against mechanical breakdowns, there are some differences.
- Good Sam’s Mechanical Breakdown Insurance is a standalone policy designed for vehicles and RVs that are 15 model years old or newer and have less than 100,000 miles (or 120,000 for rear engine diesel motorhomes).
- Progressive Vehicle Protection, on the other hand, is an auto insurance coverage available for newer cars and trucks in select states. It can be added to your existing auto insurance policy and offers coverage for liability, comprehensive, collision, rental car, roadside assistance, and trip interruption.
It’s important to assess your specific needs and vehicle eligibility to determine which option is best for you.
FAQs
To provide further clarity on Mechanical Breakdown Insurance, here are some frequently asked questions:
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Is routine maintenance covered by Mechanical Breakdown Insurance?
No, routine maintenance is not covered. Mechanical Breakdown Insurance is designed to cover repairs resulting from mechanical failures. -
Does Mechanical Breakdown Insurance include towing coverage?
No, Mechanical Breakdown Insurance does not cover vehicle towing. However, you have the option to add Roadside Assistance to your Progressive RV or auto insurance policy for towing coverage.
Conclusion
Mechanical Breakdown Insurance offers comprehensive protection against unexpected repair costs due to mechanical failures. By understanding your coverage and considering your specific needs, you can make an informed decision about whether Mechanical Breakdown Insurance or a vehicle warranty is best for you. Remember to review your insurance options and compare policies to ensure you have the right coverage for your vehicle’s longevity and your peace of mind.
