Does My Insurance Policy Cover Car Battery Replacement?

Since batteries are an integral component of cars, it stands to reason that an auto insurance policy would also cover their replacement.

This is not attainable from auto insurance coverage, as reasonable as it may seem.

The following will be covered in this article:

  1. Does Auto Insurance Cover Replacement Batteries?
  2. How Do Insurance Plans Affect Replacing an Automobile Battery?
  3. Does Auto Insurance Covered for Stolen Vehicle Batteries?
  4. What Happens If My Battery Isn’t Damaged in an Accident?
  5. Does Auto Insurance Cover Dead Batteries?


Does Auto Insurance Cover Replacement Batteries?

There is no particular kind of auto insurance policy solely responsible for replacing car batteries, but depending on how the battery died or was misplaced, it can come under one of your coverage options. 

Generally speaking, auto insurance won’t cover old age or wear and tear and also if your car battery is destroyed or damaged in an abrupt collision.

However, certain auto insurance coverage does exist, and on certain occasions, they may assist with replacing your car battery.

They consist of:

  1. Property Damage Liability of Another Person: This insurance covers losses incurred by you or your possessions in the event of an accident involving another person. After an accident that you caused, the other person’s repairs would almost always be covered by your liability insurance.   
  2. Collision: Regardless of who was at fault, collision insurance covers the cost of repairs to your car after it collides with another vehicle or object, even if you fall asleep at the wheel and hit a tree, breaking your battery plates.
  3. Comprehensive: This policy covers auto repairs brought on by disasters, including fire, falling items, and theft. 
  4. Uninsured Motorist (UM): When someone hits you without having auto insurance or when you are unable to identify the driver after a hit-and-run, uninsured motorist coverage (UM) covers your medical costs and auto repairs. For instance, turning the wrong way on a one-way street, an uninsured driver strikes you and breaks your battery.

How Do Insurance Plans Affect Replacing an Automobile Battery?

Insurance plans affect the placement of automobile batteries in the sense that your insurer will only cover expenses beyond your deductible if your car battery is broken during an event covered by your policy. The minimal amount you consent to pay for insured losses before receiving reimbursement from your insurance provider is known as the deductible.

Does Auto Insurance Covered for Stolen Vehicle Batteries?

A stolen vehicle battery is covered by your auto insurance as long as you have comprehensive coverage. Theft of individual auto parts, like batteries and catalytic converters, is included in the dangers covered by comprehensive insurance.

What Happens If My Battery Isn’t Damaged in an Accident?

Accident is not the only condition that can provide coverage to your car battery.

In the event of fire or vandalism, among other non-accidental calamities, comprehensive insurance may also replace your car battery. Generally speaking, comprehensive coverage pays for harm to your vehicle caused by external factors. On the other hand, collision insurance is required to pay for battery damage resulting from collisions with other vehicles or from hitting an object like a tree or a fence on the roadway.

Do Car Insurance Policies Cover Dead Batteries?

Since replacing a dead car battery owing to age or normal wear and tear is regarded as standard maintenance required by car ownership, your auto insurance will not cover the cost of replacing the dead battery.

A car battery should normally last three to five years, but extreme heat and vibration might cause it to degrade more quickly.

If your automobile battery has merely run its course, your insurer won’t pay for a replacement. Furthermore, should your car battery die as a result of a thoughtless error on your part—such as leaving your lights on all night—your insurance policy will not replace it.

Although a warranty from your dealership does not strictly fall under your insurance, it could be able to cover your car battery. If your battery dies within a set period or before you have driven a certain number of miles, your dealership may replace it for free while it is still under warranty.

In other words, no auto insurance covers car battery replacement, but some coverage options will handle battery replacement circumstantially.