Even an extended warranty will run out after time, depending on the age of the vehicle. Auto repair car insurance is available for as long as you need it. You can continue to keep the policy regardless of the age of your vehicle. Auto Repair Insurance Only Covers Part of the Repair A common myth is that when you bring in your car for repair, you will still have to pay for part of the charges. While this is true of some policies with a deductible, you can also purchase auto repair insurance policies that pays for the entire repair bill. When you have a $4,000 bill for a new transmission, this can be a lifesaver. Auto Repair Insurance Does Not Pay for Existing Problems A lot of people try to get auto repair insurance when they know that their vehicle is going to require costly repairs. While being unethical, it is also not going to work. Many companies require you to state your current vehicle's condition, as well as have a time period before any claims can be made. I Have No Say How Repairs Are Done That is not entirely true. When you take your car in for repairs, you can state what you want done or what types of parts you want to use. If you’re in an accident but you are less than 25% at fault, your premiums won’t go up. And if you purchased a policy with accident forgiveness technically called S. E. F. No. 39 – Accident Rating Waiver Endorsement your premiums won’t increase after your first at fault accident.

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States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds see below.