Bumper to Bumper Car Insurance

Woman sitting in a car next to salesman.
Woman sitting in a car next to salesman. (Image: shironosov/iStock/Getty Images)

You might hear automobile makers or dealers describe their warranties as "bumper to bumper." This coverage pays for repairs to most malfunctioning mechanical parts, such as the drive train, water pump, brakes and exhaust system. At some point, your warranty will expire due to lapse of time or miles on the vehicle. Mechanical breakdown insurance can carry the torch of bumper-to-bumper coverage for your vehicle.

What Vehicles Are Eligible?

Bumper-to-bumper insurance doesn't last forever. Your company may decline coverage if your car has too many miles or is too old. Depending on the company, you can renew coverage for a specific number of miles or specific time span if your car initially qualifies.

What's Not Covered?

Don't look to mechanical breakdown insurance for oil changes, spark plugs, tires or other routine car service. Comprehensive or collision insurance, not car repair insurance, covers wrecks. Your car repair policy may exclude repairs covered by a warranty or a recall. Making changes not recommended by the vehicle manufacturer can void your coverage.

Getting the Repairs

Depending on the policy, you might have your choice of any licensed shops or may be limited to authorized or preferred mechanics; some companies require repairs be performed at a car dealership. Not all policies require a deductible, though having one might lower the premium.

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