Sometimes your car may face some minor issues due to daily usage. These issues are bound to happen no matter how careful you are. These are to be taken care of with good maintenance. Insurance is there to protect you against any uncertainties.

However, mechanical issues are not unexpected but instead expected and most of the time you have a known range to work them out or to schedule a visit to a mechanic.

Let’s Compare Online (pvt) ltd is here to help you save money and time when getting insured. We ensure that our clients make an educated decision. We will not only look at the scenarios but also analyze in what scenarios it is viable to file a claim! Let’s look deeper into it. 

Is The Mechanical Problem Result Of An Accident?

Here we are faced with two scenarios. First, in the absence of an accident, and second, in case of an accident. Let’s take a look at the first scenario. 

Scenario 1: Mechanical Issues In Absence Of Accident

If there is a mechanical issue solely due to ill maintenance and not because of an accident, you cannot file a claim. This will not be covered by your car insurance policy. If you try to force a claim, it will fall under negligence hence making it impossible for you to file it again. 

Also, when you file a claim you are required to pay the deductible. The deductible is the amount you must pay out of pocket at the time of claim. Hence, it will add to the amount you have to pay for repairs, making it double. So you’re better off not filing a claim anyway and getting it repaired for the amount it already costs. 

Scenario 2: Mechanical Issues In Case Of Accident

In another scenario, if the mechanical issues arise from an accident the car suffered, it is covered. Even if it initially went undetected, the policy will still cover the damages. Because this falls under accidental damage. 

Another thing to consider before filing a claim is to compare the cost of repairs out of pocket and the deductible. If the deductible is higher than the cost of repair, you are better off paying out of pocket. In another case where the deductible is lower than the repairs, you should file a claim. This small tip can ensure that you are able to save money and choose a wiser option.

Let’s Compare is an online insurance comparison platform working to make deep connections with its clients and have a bond with them. We continuously strive to make access to insurance convenient for our clients.


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