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Inner Workings of Transmission

A vehicle's transmission is one of its largest — and most expensive — components. When the transmission stops working, repair costs can skyrocket.

Often, your auto insurance policy will not cover any costs for transmission repairs and replacement. So, even if the transmission is faulty, and the damage no fault of your own, it is unlikely to be covered. But, what happens if your transmission is damaged in an accident?

When Transmission Damage From An Accident Is Covered

Some insurers do cover transmission repairs following a vehicle accident. Generally, this coverage can only be invoked if the accident is covered under the policy. The accident must also be directly responsible for the damage to the transmission.

Here is an example. You are traveling down the road, and another vehicle strikes the front end of your car. You bring the car into the shop, and the mechanic informs you that there is damage to the engine or transmission due to the accident. In this case, the insurance policy of the driver who hit your car (the at-fault driver) will likely pay for the damage to the transmission. This could mean you'll get a check to help pay for a new vehicle, if the damage is so severe that your insurer renders your car as totaled.

Another example is this. You are driving the vehicle, and you strike a pole. It damages the transmission and engine. You are at-fault for this accident. If you have collision insurance, it will likely cover the damage to your vehicle — potentially including transmission repairs.

When Transmission Damage From An Accident Isn't Covered

Let's say you are in an accident that damages your transmission or engine. However, the mechanic finds the accident occurred as a result of poor maintenance. This can happen, for example, if the vehicle lurches forward due to a faulty transmission. In this situation, the damage repair costs you sustain may not be covered. However, if you damaged another vehicle, that vehicle might still be covered.

What's the best way to avoid a denial of coverage? Maintain your transmission on an ongoing basis. And, always report any incident or accident to your insurer.

Unsure if your auto insurance policy includes transmission repair? Contact Affordable Insurance Group for more information.

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