Does car insurance cover automatic transmission?

Your car's automatic transmission Is it defective or has some damage and you don't know if the insurance will pay anything? See in this article if the car insurance covers automatic transmission and how it works.

Cars with automatic transmission are becoming more and more common and, despite being much more comfortable to drive and even more economical, they are very delicate equipment that require more maintenance care.

In addition to requiring more attention, automatic transmissions require specialized labor to carry out repairs, and this service is generally much more expensive than you might imagine.

So, it's always good to know if you can count on some help and if your car insurance covers automatic transmission?

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Find out if the insurance covers automatic transmission

Even if the repair of an automatic transmission exceeds the deductible amount, if there is a problem with this part of your vehicle, you cannot activate your insurance just because of this, since this is a case of maintenance and small repairs that can happen to your car.

However, if the case involves an accident where the automatic transmission ended up being damaged, it will be repaired as well as the other items that were also damaged by the unforeseen event.

In other words, if your car's automatic transmission has been damaged by use, or for any other reason that does not involve an accident, you will have to pay for the repair of this equipment yourself.

When insurance covers automatic transmission

It is important to understand that the insurance will only cover the automatic transmission if it is in a situation that is already covered by your plan (robbery, theft, accidents, collisions, floods, fires, falling trees, etc.) and not when the item is worn out or has had some problem over time.

This type of repair is characterized as part of vehicle maintenance, so it is important to take extra care with this part in your car to avoid damage due to misuse, for example.

Is it worth taking out car insurance when the car has an automatic transmission?

If you are thinking that, because your vehicle has an automatic transmission and repairs to this equipment are not covered by insurance, it is not worth using this service, you are wrong.

Even though there is this negative condition regarding the coverage of automatic transmission maintenance, it is worth having car insurance.

After all, repairing this equipment is very expensive and in an accident, such as a collision, if it is damaged, this item alone can cost up to R$8,000 to repair your vehicle.

In this situation, if you do not have car insurance, you will have to pay for the repair of the vehicle and the automatic transmission yourself.

However, if you have car insurance, you will have no reason to worry, as the gearbox repair will be included in the repairs due to the accident and you will only need to pay the deductible.

In this case, it is much more viable to protect your vehicle and only pay the deductible, when necessary, to guarantee not only the repair of your automatic transmission but also of the entire car.