Strong battery health helps your vehicle function properly. Your battery may be losing power, and you plan to replace it. Here’s how your car insurance coverage may factor into the plans.
Does My Policy Cover a Replacement?
Auto insurance companies generally classify your battery as a maintenance item. Insurers recognize that your battery may expire after a few years. However, keeping up with maintenance is considered your responsibility. You may extend your vehicle’s battery life by performing preventative maintenance. The only way your car battery is covered in most cases is if it’s damaged due to a covered loss.
What Are My Options?
Car battery coverage isn’t offered as a standalone policy. While your car insurance policy is designed to protect you in most situations, performing regular maintenance to prevent future issues falls typically on you. Consider purchasing an extended warranty for your vehicle. This is your best option if you’re trying to find a solution on a budget.
Consider asking your insurer if you can add your battery as a covered part. This provides some protection if you’re involved in an accident. You can also attempt to file a claim through the other driver’s liability insurance. The other driver’s insurer will cover the replacement costs for your battery.
Adding comprehensive coverage protects you if a tornado moves through the area and causes a tree to damage your vehicle. Comprehensive car insurance coverage should assist with the repair and replacement costs. Remember that you’ll be responsible for paying your policy deductible before the coverage takes over.
Many auto insurance companies offer roadside assistance as an extra part of comprehensive auto insurance plans. While you’ll have to pay to add this service to your policy, roadside assistance covers battery issues by providing towing services or allowing you to receive a jumpstart. There are other benefits to roadside assistance as well, such as delivering fuel if you run out on the road and sending assistance if you need to change a flat tire.
Roadside assistance does not cover your battery’s repair or replacement costs. You should assess your financial situation before adding the extra coverage. Keep in mind that battery maintenance costs depend on your vehicle’s make and model, as well as the installation fee.
Explore Your Battery Replacement Protection Options with Locke Insurance Group
When it comes to safeguarding your investment in battery replacement protection, Locke Insurance Group offers a range of tailored solutions. Our expert team is here to assist you in evaluating these options, ensuring that you select the ideal car insurance coverage to protect your valuable assets. Whether it’s for your electric or hybrid vehicle, we have the knowledge and expertise to guide you in making the right choice to keep your prized possession running smoothly and efficiently. Contact us today.