Beyond accidents: Does car insurance cover non-accident repairs?


24 Aug 2023

Understanding Car Insurance Coverage for Non-Accident Repairs

Many car owners might wonder if their insurance coverage extends to non-accident repairs as well. While car insurance primarily addresses damages caused by accidents, there are specific scenarios where it may provide coverage for non-accident repairs.

Understanding car insurance coverage

Car insurance cover typically consists of different types of coverage, each designed to address specific situations. The most common coverage types are liability, collision, comprehensive and personal injury protection (PIP). While these coverage types primarily revolve around accidents, some aspects of comprehensive coverage can also include non-accident-related repairs.

Comprehensive coverage for non-accident repairs

Comprehensive coverage, often referred to as "other than collision" coverage, is designed to cover damages to your vehicle that aren't a result of a collision with another vehicle or object. This coverage generally addresses damages caused by factors beyond your control, such as theft, natural disasters, falling objects and even animal collisions. Therefore, if your car sustains damage due to a tree falling on it during a storm, your comprehensive coverage may help cover the repair costs.

  • Mechanical breakdowns vs. wear and tear

It's essential to differentiate between mechanical breakdowns and wear and tear when considering non-accident repairs covered by insurance. For instance, if your engine fails due to a lack of proper maintenance, you're unlikely to receive coverage for the repairs through your insurance.

  • Roadside assistance and non-accident incidents

If your car breaks down due to mechanical failure, runs out of gas, or experiences a dead battery, roadside assistance can provide services like towing, jump-starts and fuel delivery. While not exactly a repair scenario, roadside assistance is an additional coverage option that can be invaluable for non-accident situations.

  • Windshield and glass repairs

Another area where non-accident repairs car insurance covers is windshield and glass damage. Glass coverage is offered that takes care of repairing or replacing your vehicle's windshield or windows if they are damaged by flying debris, rocks or vandalism.

  • Rental car coverage

While your car is being repaired, your insurance policy might cover the cost of renting a substitute vehicle. This can help you maintain your daily routine without disruptions. If your vehicle requires non-accident-related repairs that will take some time, rental car coverage can be a lifesaver.

  • Reviewing your policy

Before assuming that your car insurance will cover non-accident repairs, it's crucial to thoroughly review your policy. If you're unsure about whether specific non-accident scenarios are covered under your policy, it's a good idea to read the terms and conditions carefully.


While car insurance primarily addresses accidents and collision-related damages, there are instances where coverage extends to non-accident repairs. Comprehensive insurance plans, glass coverage, roadside assistance and rental car coverage are some of the features that can assist in non-accident scenarios. If you're uncertain about the coverage for non-accident repairs, don't hesitate to communicate with kotak general insurance to clarify the terms and conditions of your policy.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.