Here's why:
* Electrical problems are considered mechanical failures. Auto insurance typically covers accidents, theft, and damage from natural disasters, not wear and tear on a vehicle's components.
* Electrical issues are often covered by your car's warranty. If your vehicle is still under warranty, the manufacturer may be responsible for repairs.
* You can purchase extended warranties. These cover repairs beyond the factory warranty period, potentially including electrical issues.
However, there are some exceptions:
* If the electrical problem is caused by an accident. For example, if a collision damages the electrical system, your collision coverage may apply.
* If the electrical problem is caused by a covered event. For instance, if a fire caused by a faulty electrical component damages your car, your comprehensive coverage may apply.
To determine if your specific situation is covered, you should contact your insurance agent. They can review your policy and advise you on what is and isn't covered.
