Automotive additives are chemicals or substances that are added to automotive fluids or systems to improve their performance, protect components, or address specific issues. These additives can be found in various automotive fluids, such as engine oil, fuel, transmission fluid, coolant, and more.
While traditional auto insurance policies typically focus on covering damages resulting from accidents, theft, natural disasters, and specified events, routine maintenance, wear and tear, and issues related to the use of additives are typically excluded from standard auto insurance coverage.
Insurance coverage for damage caused by automotive additives may fall under different categories, depending on the specific circumstances and the type of insurance policy you have. Here are some possibilities:
Auto Insurance:
Comprehensive Coverage: This coverage typically protects against non-collision events, such as theft, vandalism, and natural disasters. If the damage caused by automotive additives is due to vandalism or another covered event, it may be included under comprehensive coverage.
Mechanical Breakdown Insurance (MBI)
Some insurers offer Mechanical Breakdown Insurance, which covers repairs to mechanical parts of your vehicle. This coverage might include damage caused by certain automotive additives, but it varies by policy, so you should check the terms and conditions.
Extended Warranty or Service Contract
If you have purchased an extended warranty or service contract for your vehicle, it might cover specific types of damage, including damage caused by certain additives.
Specialty Insurance Policies
Some insurance providers offer specialized coverage for modifications and enhancements made to a vehicle. If you've added automotive additives or modifications, you might need a special policy to cover them.