Can Car Insurance Pay For Repairs? 
There are two different policy types that may pay for repairs : auto insurance , and vehicle warranties . Traditional auto insurance may make claims payments to repair your car after an accident . You may need to file a police report and describe how the accident occurred . Vehicle warranties help pay for repairs caused by manufacturer defects . If your car breaks down the vehicle warranty may pay for the repair . Normal wear and tear is rarely covered -LRB- brake pads , oil changes , tire wear , etc. -RRB- . 