Batteries are an integral part of your vehicle that undergoes regular wear and tear. Car insurance, in general, does not cover your car’s battery. Some insurers may provide added coverage that helps you get the car battery covered. But does that include coverage for a dead battery? The policy and coverage differ depending on your insurer's terms and conditions. A well-assessed policy can help you get the maximum coverage for your car. Let’s shed more light on battery replacement coverage for your car.
Auto insurance does not typically cover replacing the battery unless the vehicle meets with an accident. The warranty of the car may cover the cost of a new battery. But they are typically outside the scope of insurance policies (comprehensive or general). A battery recall is only issued if there are too many problems. Otherwise, battery replacement is part of regular maintenance. Purchasing an extended warranty will be helpful whenever battery issues occur.
An insurance policy can cover the costs of a stolen battery, provided the deductible is less than the cost. It can also help cover the cost incurred due to the theft of other components, such as gas theft. The owner would have to pay the cost of replacing the tires or the battery if the deductible is not covered.
Most policies do not replace dead batteries because they are part of the vehicle's general maintenance items. However, having roadside assistance coverage can help if you face battery problems on the road. Even if your insurance company does not replace the battery, the coverage ensures that you will receive help if you need to get your car towed or jump-start a dead battery.
A battery damaged in an accident may be covered by your insurer. If you have collision coverage, you can file a claim for the damages to your vehicle, including the battery resulting from the collision. During the claims process, the insurance company will inspect and record all the damages sustained during the accident. After settling your deductible, your insurance will reimburse you for the damages sustained.
Comprehensive coverage can help replace the car's battery that is damaged during a non-accident event, such as vandalism. Also, if a tree branch falls on your vehicle during a storm, your insurance will cover it. Always ask your insurance provider for adequate coverage for these types of incidents.
You can get help from a mechanic or motor garage to jump-start your vehicle's battery through roadside assistance. Unlike other types of insurance, this type of coverage doesn't provide you with a new battery. Some companies offer free towing and delivery services up to a specific mileage.
For more information on different types of coverages in your auto insurance, contact our team at Little & Sons Insurance Services today. We can help you find the right car insurance coverage for your needs in California.
