You may have heard of auto repair insurance. It’s coverage you buy for your vehicle that is completely unrelated to your regular auto insurance. Auto repair insurance is used just in case some mechanical failure happens to your car. This would be a car problem that’s unrelated to an accident.
Whether you need it or not will depend on your circumstance. If the warranty on your vehicle is still active, then chances are you may not need it. But, if your car has an expired warranty or is getting older, you may want to consider getting auto repair insurance. When you have active coverage, they will pay for most mechanical repairs on your car. Just be sure you know which kind of coverage to get. Some companies will do standard repair while others only offer breakdown coverage.