When you bought your new vehicle, it came with coverage for repairs that lasted for a specific amount of time or until you reached a certain mileage.
Once your original coverage runs out, you have the option of purchasing your own, either from a dealer or an independent company.
However, there are some differences in the circumstances and the coverage that you will get from the original and that which you must purchase.
You must realize that the coverage that was on your vehicle was for a new vehicle that was not likely to need any repairs.
Therefore, it was most likely meant for any type of coverage or repair that you needed.
The more miles a vehicle has on it, the more likely it is to break down.
This is why a vehicle will cost you more to get this type of coverage if it has a lot of mileage on it.
Additionally, there are going to be many types of repairs that you new coverage doesn't cover.
Some of these will fall under the category of "Wear and Tear" that are normal for any vehicle to need repaired after some time.
Tires, for instance, can not be replaced under this type of coverage anything else that is made of rubber is likely included.
If you search, you may find coverage that includes wear and tear coverage that makes it a lot more useful to the typical driver.
It is going to cost you more, but it will pay off in the end.
Another difference is that some types of cars cannot be covered at all.
High performance vehicles that are used for driving in terrain that can lead to more frequent and expensive repairs may not have the option for coverage or else it will be extremely expensive.
Vehicles that require expensive parts to repair them or are known to need repairs frequently may not be covered.
All vehicles aren't created the same and there are some that the companies aren't willing to risk providing coverage on because they want to sell you coverage but they don't want to have to pay.
Your original coverage didn't need to cover wear and tear repairs since they weren't likely to occur before the coverage ran out.
They weren't excluded from the coverage like they will be with the coverage you must purchase.
Another disadvantage to having only mechanical breakdown protection is that the company will often tag your breakdown as one that can be attributed to wear and tear regardless of what it is in order to keep from paying your claims.
Knowing that the coverage you purchase won't be the same as that you got when you purchased your vehicle will help you know what to look for when you go shopping for coverage.
Keep in mind that it is the goal of the company to pay as few repair bills as possible, not to keep you vehicle running like new!
Once your original coverage runs out, you have the option of purchasing your own, either from a dealer or an independent company.
However, there are some differences in the circumstances and the coverage that you will get from the original and that which you must purchase.
You must realize that the coverage that was on your vehicle was for a new vehicle that was not likely to need any repairs.
Therefore, it was most likely meant for any type of coverage or repair that you needed.
The more miles a vehicle has on it, the more likely it is to break down.
This is why a vehicle will cost you more to get this type of coverage if it has a lot of mileage on it.
Additionally, there are going to be many types of repairs that you new coverage doesn't cover.
Some of these will fall under the category of "Wear and Tear" that are normal for any vehicle to need repaired after some time.
Tires, for instance, can not be replaced under this type of coverage anything else that is made of rubber is likely included.
If you search, you may find coverage that includes wear and tear coverage that makes it a lot more useful to the typical driver.
It is going to cost you more, but it will pay off in the end.
Another difference is that some types of cars cannot be covered at all.
High performance vehicles that are used for driving in terrain that can lead to more frequent and expensive repairs may not have the option for coverage or else it will be extremely expensive.
Vehicles that require expensive parts to repair them or are known to need repairs frequently may not be covered.
All vehicles aren't created the same and there are some that the companies aren't willing to risk providing coverage on because they want to sell you coverage but they don't want to have to pay.
Your original coverage didn't need to cover wear and tear repairs since they weren't likely to occur before the coverage ran out.
They weren't excluded from the coverage like they will be with the coverage you must purchase.
Another disadvantage to having only mechanical breakdown protection is that the company will often tag your breakdown as one that can be attributed to wear and tear regardless of what it is in order to keep from paying your claims.
Knowing that the coverage you purchase won't be the same as that you got when you purchased your vehicle will help you know what to look for when you go shopping for coverage.
Keep in mind that it is the goal of the company to pay as few repair bills as possible, not to keep you vehicle running like new!
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