But the question is: does your car insurance cover it if your car has an electrical problem?

Unfortunately, the answer to that question isn't a simple yes or no. While some policies will cover some electrical issues, others will not.

That's why, as always, it's vital to read your policy carefully and understand what is and isn't covered. If you have any questions, don't hesitate to contact your insurer; they’ll be happy to help you out.

WHAT ARE COMMON VEHICLE ELECTRICAL PROBLEMS?

Modern cars and trucks are full of complex electrical systems, and as we all know, electrical malfunctions can occur from just about anything.

When it comes to cars, there are two common electrical issues:

  1. Simple vehicle electrical problems, such as radio or power windows stop working, gauges (like oil or gas indicator) malfunctioning
  2. Major electrical problems, like bad wiring, could ultimately cause car fires

Electrical issues can result from faulty wiring, a short-circuited fuse, or simply wear and tear. When some electrical problems occur, you might be notified by the check engine light; in other situations, the first sign might be a resulting mechanical issue or something far worse.

Common Signs Your Car’s Electrical System is Failing

As we mentioned, there are plenty of issues that could arise from your vehicle’s electrical system. Since there are so many moving parts, the problems are seemingly endless.

However, there are a few common obvious signs that there’s a serious problem (and should be checked out immediately by a professional):

  • Battery is corroded, won’t charge, has bad cables, or is dead
  • Blown electrical fuses
  • Car is sputtering, stalling out, or hesitating
  • Headlights are dimming when idling, driving, or unexpectedly Interior or dashboard lights aren’t working
  • Vehicle won’t start or has a bad alternator

How to Avoid Electrical Issues

As with many car issues, the best course of action is always preventative care. Proper maintenance of your vehicle can help alert you of any potential electrical problems before they become major issues.

If you do ever encounter an electrical issue (even as seemingly simple as the check engine light turning on), be sure to get your vehicle checked out by an automotive professional right away. That way, the problem won’t worsen and you won’t endanger yourself, your passengers, or others on the road.

In addition, preparing with the right types of auto insurance coverage will ensure you’re protected in case of an electrical problem.

DOES CAR INSURANCE COVER ELECTRICAL PROBLEMS?

As any car owner knows, car insurance is a necessary expense. It protects you financially in the event of an accident, but it also covers damages caused by electrical problems.

Electrical problems can range from minor car malfunctions to devastating fires, and car insurance can help cover the costs of repairs. However, car insurance will not cover routine repair bills.

Let’s dive into what electrical problems are (and aren’t) covered by your car insurance policy.

Electrical Fires

If an electrical problem causes a fire that damages your vehicle, certain types of car insurance policies will pay for the damages.

Unexpected Electrical Damage

Damage caused by rodents chewing wires, vandalism causing damage to the electrical system, and falling objects or flooding causing electrical damage might also be covered by your insurance policy.

Wear & Tear

Everyday wear and tear can wreak havoc on vehicles’ electrical systems.

Most car insurance policies cover damage resulting from accidents or other unexpected calamities. Typically, that means routine maintenance and repairs are typically not included in standard coverage — including electrical problems.

Why isn’t wear and tear covered? Generally, wear and tear expenses are considered the car owner's responsibility. However, there are some exceptions.

If an electrical failure results in a car accident, insurance may cover it. Additionally, insurance may also provide coverage if a mechanical component fails and causes extensive damage to the car. In these cases, it’s crucial to understand your policy to know what is and is not covered.

AUTO INSURANCE COVERAGE FOR ELECTRICAL VEHICLE PROBLEMS

Electrical car problems can be very costly to fix. Whether or not your car insurance will cover the repairs depends on the type of coverage you have and the circumstances surrounding the claim.

For example, if you have comprehensive coverage, your car insurance will likely cover repairs due to an electrical failure. However, if you only have liability coverage, your car insurance will not cover repairs for an electrical failure.

Here’s how your policy can help cover you in case of electrical issues with your car:

  • Collision coverage: If electrical components are damaged due to a crash, collision coverage will take care of the repairs.
  • Comprehensive coverage: Covered incidents and unforeseen damage caused to the vehicle’s electrical system by animals, falling objects, or vandalism is often handled by the comprehensive portion of your policy.
  • Liability coverage: If an electrical issue causes an at-fault accident to occur, your liability coverage will provide you with financial protection for bodily injury, property damage, medical costs, and even legal fees.
  • Special mechanical breakdown coverage: In certain instances, wear and tear might be covered by this form of coverage.
  • Wear and tear exclusions: Insurance plans will specifically exclude coverage for general wear and tear issues, as carriers won’t be held financially responsible for a worn-down system.
  • Wear and tear warranties: Though this isn’t specific to your auto insurance, it’s helpful to note that vehicle warranties have come a long way and cover a wide variety of issues, including electrical problems.

If you’re unsure whether or not your car insurance will cover electrical repairs, it’s best to contact your car insurance company directly.


When it comes to your vehicle, you want to have the peace of mind that comes with knowing you're insured in case something happens. That's why it's essential to read your policy carefully and understand what is and isn't covered when it comes to electrical issues.

If you need help finding the best car insurance coverage for the best price and ensuring you’re covered for electrical issues, start by speaking to a SimplyIOA agent at 833.872.4467 or get an auto insurance quote online now.