Jeff Varcadipane
October 9, 2024
This feature is essential for covering unexpected expenses after a mishap, but many drivers in Paramus, NJ, are unsure if it includes repairs beyond those linked to accidents. The answer is that while car insurance covers repairs and damages from collisions or incidents, it generally does not include routine maintenance or restorations for damage unrelated to such events. As a trusted legal resource, Varcadipane & Pinnisi, P.C., can help you through these difficulties and understand the nuances of auto insurance policies, making sure you stay both protected and fully informed.
How does Insurance respond in Case of an Accident?
In these unfortunate cases, your vehicle protection usually covers the necessary repairs—provided your policy includes crash coverage. Collision insurance helps pay for repairing or replacing your car if it’s damaged, regardless of who is at fault. This is critical for protecting your finances and ensuring the repairs, which can quickly add up, are handled without significant out-of-pocket costs.
New Jersey law requires all drivers to carry a minimum amount of liability coverage, but this does not automatically mean all repairs will be covered. This insurance only includes damages you cause to others, not your own vehicle. A comprehensive insurance plan is indispensable if you want extensive repair reimbursement for your car after an accident. According to the New Jersey DMV’s auto accident guide, events resulting in damages over $500 must be reported to the DMV, guaranteeing proper documentation for insurance claims.
Does Car Insurance Cover Repairs Even if There Was No Accident?
Many drivers are surprised that standard car insurance does not cover repairs unless the damage stems from a specific accident or other covered event. Normal wear and tear, such as brake pad replacements, oil changes, or engine issues that occur over time, are generally not covered under traditional auto policies and are therefore considered the vehicle owner’s responsibility.
However, some drivers opt for mechanical breakdown insurance, a supplemental policy that helps cover non-accident-related repairs, such as engine or transmission failures. Although not all providers offer mechanical breakdown insurance, it can be a valuable add-on for drivers who want extra protection for significant restoratives unrelated to the collision.
What Can Be Considered as Car Repair?
Understanding what qualifies as a repair under your insurance policy is fundamental. In general, car repairs can be classified into two categories:
- Accident-Related Repairs: Include restoration necessary due to collisions, such as body harm, broken headlights, and other parts affected during the crash. This type of impairment is typically covered under collision insurance.
- Non-Accident Repairs: Consists of regular maintenance and mechanical issues that develop over time. Typical examples are brake pad replacements, oil changes, and engine malfunctions. Standard auto insurance policies do not cover these repairs unless linked to a specific incident, such as a covered event under comprehensive insurance (for example, fire or theft).
It’s important to note that comprehensive insurance, often purchased alongside collision insurance, may cover damages from non-accident events such as theft, vandalism, or natural disasters. This coverage is crucial for those looking to protect their vehicle from unforeseen, non-accident damages.
Who’s Liable for Non-Accident Damage?
Dealing with non-incident damage and establishing liability can become quite complicated. If loss occurs due to negligence or faulty repairs by a mechanic, you may need to pursue legal action to recover the costs. In these cases, the liable party is typically the mechanic or repair shop, not your insurance company.
For instance, if a mechanic performs faulty work that leads to significant harm or even a catastrophe, they could be held responsible. In New Jersey, such disputes can often be handled through the Special Civil Part of the Superior Court, which deals with claims up to $20,000. You can find more about this process at the New Jersey Courts Special Civil Court.
Additionally, you may still have recourse if the impairment results from another driver’s negligence but no accident occurs. Consulting with a law firm like Varcadipane & Pinnisi, P.C. can help you understand your rights and pursue compensation from the responsible party.
Need Help Navigating Your Auto Insurance Claim?
Grasping the scope of your auto insurance coverage—especially regarding repairs—can be complicated. If you’re dealing with a warranty dispute or need advice on handling a claim, Varcadipane & Pinnisi, P.C., based in Paramus, NJ, is ready to assist. Our experienced attorneys can guide you through the process, ensuring your rights are protected and you receive the compensation you deserve.
Contact us at (201) 588-1500 or fill out our form. We’re here to help you with all your auto insurance-related legal needs in New Jersey.
Jeffrey W. Varcadipane
Jeffrey W. Varcadipane is a Certified Civil Trial Attorney by the Supreme Court of the State of New Jersey and a Founding Partner of the Firm. He handles a variety of matters including civil and commercial litigation, appellate practice, real estate, and business law.
University: J.D. Fordham Law School
Bar Number: 29472005
Locations: New Jersey, New York, and Florida.
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