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Mechanical breakdown protection

Old 03-15-2019, 04:44 AM
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Default Mechanical breakdown protection

Has anyone ever buy mechanical breakdown protection for the car from auto insurance and how it work?
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Old 03-15-2019, 04:42 PM
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No, and you're welcome.
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Old 03-15-2019, 04:56 PM
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I flock to beaters. Easier to fix. This one time, a cam sensor cap tab broke while driving the race car to the track. Fixed it at the track, drove it home. This other time at the track, snapped an axle, no spare. Just paid $200 to get flat bed back to the house. And then this one other time, blew a head gasket, bent a piston. I just rolled it into the my enclosed trailer, and towed it home. A couple other times, broke some random stuff but she still drove, like governor spring on the 2004R popped out = not easy to get to shift, but drove. Accomplishment in fixing thing yourself, is something I wouldn't want to deprive my kids of.
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Old 03-15-2019, 04:59 PM
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never even heard of it
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Old 03-15-2019, 05:20 PM
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mechanical breakdown coverage is a revenue generating add on. generally, to get paid, you need to prove its a mechanical failure, not wear and tear. depending on the adjuster this can be easily or very difficult to prove. some make simple judgement calls while others wat full service records, pictures of failed parts and so on. ive not seen a claim on vehicles but have seen many in industry.
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Old 03-15-2019, 05:33 PM
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I've never seen it. I do see emergency road service on my policies. It's only like $3 every 6 months, so I've never thought much about it. It sounds cheaper than AAA, but I can't even remember the last time I've had to have a vehicle towed.

Now that I think about it, don't most new cars have roadside assistance during the warranty period.

Last edited by Gordon Shumway; 03-15-2019 at 05:33 PM.
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Old 03-15-2019, 06:03 PM
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I only have maniacal protection, haven’t had to use it yet.
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Old 03-15-2019, 06:20 PM
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Originally Posted by Gordon Shumway View Post

Now that I think about it, don't most new cars have roadside assistance during the warranty period.
All of mine since the late 90s have had it. Middle 90s was the last time I bought a used car, which didn't have it.
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