Auto insurance is meant to cover unexpected, accidental loss to your vehicle. Brake failure typically doesn’t fall into that category, which means your insurance usually won’t cover the repair or replacement of your brakes. It’s generally considered a normal part of vehicle upkeep.
At Roberts Family Insurance, we can help protect your car from many risks. If you need auto insurance in Friendswood, TX, let us help you find the right policy.
Situations Where You May Have Protection
In some situations, your policy may help cover brake-related losses if they stem from a covered peril. For example, if you have comprehensive coverage and your brakes are damaged in a flash flood or by a fire caused by a lightning strike, your policy will likely cover the damage.
If you’re in a collision and carry collision insurance, similar protection applies. Your policy will help pay for repairs to your car, including your brakes, up to your policy limit, as long as you have collision coverage and a covered claim.
When It Does Not Cover You
Auto insurance does not cover normal wear and tear on your brakes, nor does it cover routine maintenance costs. Keeping up with brake maintenance is part of owning a vehicle, and insurance isn’t designed to offset that expense. In most cases, routine repairs simply aren’t covered.
Let Us Help You Find the Right Coverage for Your Needs
Some insurers offer specialized policies for added protection, and it’s often worth reviewing your current coverage to ensure it still meets your needs. At Roberts Family Insurance, we can help. Request a quote for auto insurance in Friendswood, TX, to learn more about the coverage options available to you.
