Generally, car insurance does not cover battery replacement. This is because most car batteries wear out over time due to normal use and aging, which is considered a maintenance issue and not a covered peril.
Car insurance is designed to protect you from unforeseen and accidental losses, not routine expenses.
Insurance coverage for car battery replacement has certain exceptions. Instances exist where battery damage or ruin, resulting from a covered car mishap, could lead to compensation for a new battery under collision coverage.
Situations involving battery impairment or destruction by vandalism, fire, or plummeting objects may also warrant eligibility for reimbursement under comprehensive coverage.
Theft of the existing battery, given the filing of a police report and substantiation of ownership, may see comprehensive coverage offsetting the cost of a fresh battery.
Options for Battery Replacement
If your car insurance doesn’t cover battery replacement, you’ll pay for it. However, you can cut such costs. In that case, you can:
- Utilize roadside assistance programs. Some car insurance companies offer roadside assistance as an optional add-on or as part of their membership benefits. Roadside assistance can help you jump-start your dead battery or tow your car to a nearby mechanic. Some programs may even provide you with a free or discounted battery replacement service.
- Purchase a separate battery warranty or insurance. Some battery manufacturers or retailers offer warranties or insurance policies that cover battery replacement for a certain period of time or under certain conditions. Check your battery purchase terms for coverage alternatives. A third-party battery warranty or insurance coverage covers battery replacement regardless of the reason.
Preventing Battery Issues
Preventing battery issues is the greatest method to avoid the inconvenience and expense of replacement. This is possible:
- Regular maintenance and inspections. You should check your battery’s condition and performance at least once a year or more frequently if you drive in extreme temperatures or conditions. Voltmeters and hydrometers may measure voltage and electrolyte-specific gravity. Check battery terminals and cables for corrosion, leaks, cracks, and bulges. Replace the battery immediately if there are issues.
- Properly storing and charging the battery. Keep the battery in a location that is cool, devoid of moisture, and shielded from direct sun or heat. Prevent unnecessary battery drain by not letting lights, radio, or additional devices run with the engine inactive. Refrain from overcharging the battery by utilizing a smart charger that halts automatically once the battery reaches its capacity.
Car insurance does not usually cover battery replacement unless the battery is damaged or stolen due to a covered peril. However, you can use roadside assistance programs or purchase separate battery warranties or insurance policies to help you with this expense. You can also prevent battery issues by performing regular maintenance and inspections and properly storing and charging your battery.