Does Auto Insurance Pay For Repairs? 
There are repairs that are caused by fair wear and tear , such as a sticky transmission . These repairs are not covered by auto insurance . There are accumulated dings and dents to the body of the vehicle and while these could be a claim , the deductible usually discourages reporting these losses . An auto policy covers you when as a result of an accident there is damage or if there is some other event , such as a falling tree that damages your vehicle . In those cases you should file a claim . 