Will auto insurance cover brakes?

Brakes typically last 30,000 miles. If you commute to work in stop and go traffic, there’s a chance your brakes won’t last beyond 25,000 miles. 

Will insurance kick in to cover your brake maintenance and replacement? It’s a question our auto insurance team in Amarillo, TX is commonly asked. Here’s the answer from the West Texas Insurance Agency.

Brakes and Auto Insurance

If your brakes are damaged in an accident or other unfortunate event, there’s a chance your auto insurance carrier will cover them. However, brake maintenance and replacement is generally the responsibility of the auto driver, regardless of whether the vehicle is leased or owned.

From brake fluid to pads, rotors and beyond, you are responsible for everything brake-related. However, if you are involved in an accident, theft or auto vandalism that compromises your brakes, contact your insurer to see if coverage is applicable.

Ask for Guidance From Your Insurer

The key takeaway is there is no harm in asking your insurance company if your car insurance policy covers brakes. Though general wear and tear to the brakes is unlikely to be covered, there is no harm in asking.

It is possible that if another driver is at fault for an accident that damages your brakes, the insurance company might cover the ensuing repairs and/or replacement. In fact, there’s also a chance the insurance company will repair or replace the brakes in the event of a collision with a deer or other object if a driver aside from you is not involved.

Be Safe Rather Than Sorry

All drivers should be aware they can add mechanical breakdown insurance coverage. This way, if your vehicle breaks down on a trip across the state or country, or even while commuting to work, the coverage will apply to specific parts for a distinct period of time.

West Texas Insurance Agency is on Your Side

Dial 806-352-2090 to learn more about auto insurance. We serve the entirety of Amarillo, TX including surrounding areas.