Does auto insurance pay for mechanical repairs? October 19, 2023 15:00 Updated Your auto policy would cover any repairs that result from a covered loss. Things like regular use wear-and-tear and maintenance costs are not covered. Start riding with LOOPSign up for the LOOP Navigator Newsletter Related articles How does a coverage deductible work? Do I need full coverage? I drive for a rideshare app, like Uber or Lyft. Am I adequately protected with my personal automobile policy? Do you sell other types of insurance? My friend or relative from out of town wants to borrow my car, are they covered?