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Auto Insurance Claims/Does comprehensive insurance cover this

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Expert: - 6/28/2011


Question
Hi, I let a friend borrow my extra car.  He drove it hard to where it will not run now.  I have comprehensive insurance with USAA. Will I be able to pay my deductible and get this fixed through the use of my insurance?

thanks.

Answer
Hi Lena,

Unfortunately no. Auto insurance does not cover mechanical breakdown issues. Comprehensive coverage pays for things like fire, theft, hail & vandalism. But there is no coverage is the vehice breaks down.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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