Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Transmission repairs are usually not accident-related
  • You have to show how your transmission was damaged when filing a claim
  • It’s important to have various forms of coverage to ensure damage to your transmission is covered


When something happens to your transmission, it affects the way your car drives. You don’t want to pay out-of-pocket for a repair if possible. You might turn to your auto insurance company hoping they cover your repair costs.

Knowing if your insurance will pay for the repairs is important.

Compare car insurance quotes and options by entering your zip code above. You could save hundreds of dollars on your premiums.

Common Reasons for Needing a Transmission Repair

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Your transmission is a major system within your car. If it becomes damaged in one way or another, you might smell something burning or your car might shake while you drive. It might also be difficult to get the car into gear.

It’s important to discover the problem as soon as possible.

Some of the most common reasons for needing a repair include:

  • Wear and tear
  • Too long between transmission flushes
  • Clutch damage
  • Vehicle accident

Anything that has to do with general wear and tear and mechanical function is not covered by your auto insurance policy so you won’t be able to get the repairs paid for by insurance.

If you have a vehicle warranty in place (extended or otherwise) from the manufacturer, you might be able to file a claim with them. This could allow you to get the needed repair without spending a lot of your own money.

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Filing an Insurance Claim

You always have the option of filing a claim with the insurance company. If you don’t know whether the insurance policy covers the repair, it’s best to file the claim and let the insurance company tell you one way or another.

During the claim, you will need to describe what happened as well as the level of damage.

For example, if you were involved in a crash, the insurance company will want to know time and date, estimated location, and what all was involved in the crash.

You might have more than just transmission problems.

The insurance company will decide if you have a claim or not. If you do have a claim, you will likely be told where to bring your car, such as to a collision center or a mechanic.

If your car is not drivable because of the transmission damage, then you will need to have it towed to the specific location.

During the claims process, the adjuster or mechanic will identify the total cost of repairs. If you are covered by insurance, you will then pay the deductible. The insurance will take care of the rest.

If you are not covered by your policy, then the repair costs would be your own responsibility.

The Types of Coverage You Might Need

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Transmission damage can happen as a result of many types of accidents. You need to make sure you have the right auto insurance coverage to make it possible to file a claim.

Your state determines the minimum level of coverage you need to have. This limit will cover you for liability for property damage and bodily injury. You then have the opportunity to add more in liability so that you are covered for greater amounts.

If, for example, you get into an accident where property damage exceeds the liability level, you would be responsible for the remaining cost.

Adding $10,000 or more of liability insurance might be less than you think. Getting quotes will allow you to see just what the cost impact would be on your premiums.

Other coverage to consider includes collision and comprehensive. Both of these are considered “add-ons” to your policy.

  • Collision covers your vehicle repair costs after a collision.
  • >Comprehensive coverage would cover you against non-driving related incidents.

Transmission repair is often going to be covered if your damage is accident-related. You need to have sufficient protection in place in terms of the type of coverage and the level.

Getting quotes from multiple insurance companies will allow you to gauge the cost of a premium while adding as much financial protection as needed. Enter your zip code below to compare quotes today!