Does car insurance cover battery replacement?

The short answer is your car insurance may cover a battery replacement—depending on the situation and your coverages. We know, it sounds vague and it can be easy to assume that car insurance covers anything and everything related to your vehicle. But the reality is that there really is no one-size-fits-all approach when it comes to car insurance and its nuances. 

So while you may think your car insurance will cover every situation that results in needing a battery replacement, the truth is, the situations or incidents that happen on the road aren’t always one-size-fits-all. 

When insurance does cover a battery replacement

If you took a look at your car insurance policy today (we always recommend revisiting your policy from time to time), you likely will see a few different coverages listed. From

Liability to Collision coverages, it’s important to understand how your coverages apply to a covered loss. 

For more information specifically on car insurance coverages, take a look at this article. For now, we’ll talk about the coverages you can add to your policy that may offer protection in the event your battery is stolen or damaged due to a covered loss.

Comprehensive coverage could apply in the event of a stolen car battery because Comprehensive covers partial or complete theft of your vehicle. Two important things you’ll want to keep top of mind if you decide to file an insurance claim with HiRoad: 

• The battery (loss) must be more than your deductible for your car insurance to cover it

• Your insurance company will request a copy of the police report filed for the stolen battery

If you're not sure what your deductible is, take a look at your policy documents or speak to someone before you decide to file a claim.

Collision coverage may also help replace a car battery, if the accident is considered a covered loss. If you have Collision coverage, the damage to the vehicle including damage to the battery is less than your deductible, your car insurance won't cover it.

Since these options each require filing a claim, here are some helpful tips to help that process go as smoothly as possible.

Does car insurance cover a dead battery?

You’ve probably dealt with the classic dead car battery situation, and in most cases you’re able to give your car the much-needed jump to get it started again. But what about those instances where it’s just done for and won’t start? A dead car battery can leave you in a tight place, but with the right coverage on your insurance policy you can be back on the road in no time. 

Roadside Assistance on your car insurance policy is there to help with more than just towing your car. In some cases, labor for minor repairs, like replacing a battery, may be able to be completed on the spot. However, it's important to remember that although there is coverage for some labor for these repairs under Roadside Assistance, the cost of parts will be your responsibility (with a HiRoad policy).

Your car insurance policy and battery replacement

In the matter of car battery replacements, the best solution is to be prepared by having Liability, Comprehensive, Collision and Roadside Assistance on your policy—covering you and your car for an array of situations.

Now is the time to reach out to your car insurance company and talk through your policy. Whether you’re adding coverages or adjusting your deductible, start now and help protect your car and yourself from those “probably never going to happen, but may happen” moments. 

The information in this article was obtained from various sources not associated with HiRoad®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. HiRoad is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. HiRoad makes no guarantees of results from use of this information.