When does auto insurance cover transmission repair or replacement?

Here are examples of how your own auto policy may help cover the cost of repairing the transmission when the damage is the result of a covered event:

  • Comprehensive coverage: may cover events beyond your control: theft, vandalism, hitting an animal, glass breakage, fire, and weather-related issues. If such an event damages your transmission, comprehensive may pay for the damage, minus your deductible.
  • Collision coverage: may cover damage to your car's transmission from hitting an object, such as another vehicle, tree, or fence, minus your deductible. Collision may also cover you if your car is hit while parked and the transmission is damaged.
  • Uninsured/Underinsured motorist coverage: may pay for repairs if another driver damages your transmission and doesn't have adequate insurance to pay for the damage, up to your policy's limits.

Unfortunately, most transmission repairs are the result of either normal wear and tear or inadequate maintenance, neither of which is covered by car insurance policies. Learn more about auto insurance coverages.

Does gap insurance cover transmission failure?

No. Gap insurance may pay the difference on your loan if your car gets stolen or totaled in an accident and you still owe more than the vehicle is worth. Learn more about gap insurance.

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