A vehicle can come with a lot of problems, and that is why insurance is available for drivers. Every state actually mandates that drivers have car insurance for personal protection. However, auto insurance provides coverage only for damage that is a direct result of crashes and other accidental incidences. Drivers don’t receive any assistance for mechanical breakdowns or even basic problems such as flat tires.
Roadside assistance can be very helpful for vehicles that get stuck on a remote and lonely road. A vehicle stalls for a number of different reasons. Something simple such as a dead battery could leave drivers stranded in the middle of the road. Serious problems such as engine breakdown may also paralyze a vehicle and require some major repairs, which can be expensive. Automobile clubs provide insurance policies that cover expenses related to any mechanical repairs, auto body work and other regular maintenance.
An auto club provides its members with plenty of benefits that include discounts on regular services. For example, all members receive oil changes and tire rotations at half the regular price charged at any service station. Additionally, free annual state inspections could be offered for members of automobile clubs.
Car care insurance policies might also be used to pay for expensive glass work. Most car insurance policies don’t even cover windshield damage that results from accidents. Special comprehensive coverage needs to be purchased in order to pay for any glass work after a car accident. By contrast, a car care plan covers more than half of the cost of a complete auto glass replacement.
Brake repair and service is needed for any vehicle on scheduled intervals. For example, new rotors and pads may have to be installed every 15,000 miles. OEM brake parts can be fully covered by a car care plan. Additionally, regular inspections of the brakes warn drivers ahead of time about any potential problems that may be costly to fix in the near future.
Auto clubs can also provide their members with coverage on A/C systems. During the summer, the climate control system of any vehicle is under tremendous stress. A/C components such as hoses and fans might malfunction due to extreme heat. Additionally, the radiator may experience overheating and lead to problems with the A/C system. Car care plans can be used to fully pay for all repairs and upgrades on climate control systems.
Subscribe to Motor Trade Insider by Email