Does Shelter Insurance car insurance cover damage caused by a brake failure?

When it comes to car accidents, brake failure is one of the most common causes. If you’ve experienced brake failure while driving, you know how terrifying it can be. But aside from the immediate danger, you may also be concerned about the potential cost of repairing the damage caused by the accident. Does Shelter Insurance car insurance cover damage caused by brake failure? In this article, we’ll explore everything you need to know about Shelter Insurance coverage, brake failure, and how the two relate.

What Is Shelter Insurance Car Insurance?

Before we delve into specifics, let’s take a moment to understand what Shelter Insurance car insurance is. Shelter Insurance is a Missouri-based insurance provider that offers a range of auto insurance policies for drivers. They operate in over 14 states across the Midwest and South, and their coverage includes liability, collision, and comprehensive coverage, among other options.

One of the unique features of Shelter Insurance car insurance is their Driveology program. This program uses telematics technology to track your driving habits and reward safe driving behavior with discounts on your insurance premiums. The program also provides personalized feedback on your driving habits, which can help you become a safer driver and potentially save money on your insurance in the long run.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Understanding Brake Failure And Its Causes

Brake failure happens when the brakes of a vehicle stop functioning as they should. There are different types of brake failure, including complete brake failure, where the brakes stop working entirely, and partial brake failure, where the brakes are only working at reduced capacity. There are several factors that can cause brake failure, such as worn-out brake pads, leaking brake fluid, or damaged brake lines.

One of the most common causes of brake failure is overheating. When brakes are used excessively, they generate a lot of heat, which can cause the brake fluid to boil and create air bubbles in the brake lines. This can lead to a loss of pressure in the brake system, resulting in brake failure. Overheating can also cause the brake pads to glaze over, reducing their ability to grip the brake rotor and slowing down the vehicle.

Another cause of brake failure is improper maintenance. Regular maintenance of the brake system, including checking the brake pads, brake fluid levels, and brake lines, is essential to ensure that the brakes are functioning correctly. Failure to maintain the brake system can lead to worn-out brake pads, corroded brake lines, and leaking brake fluid, all of which can cause brake failure.

Types Of Damage Caused By Brake Failure

When a vehicle experiences brake failure, the consequences can be severe. Depending on the speed and location of the accident, brake failure can cause damage to the car itself, other vehicles involved in the accident, and even pedestrians or buildings nearby. Common types of damage caused by brake failure include broken headlights, dented bumpers, bent frames, and shattered windshields. In some cases, brake failure can cause the car to flip or roll over, leading to even more severe damage.

Another type of damage that can be caused by brake failure is damage to the engine or transmission. When a car is unable to stop properly, the driver may try to use the emergency brake or downshift to slow down the vehicle. This can put a lot of strain on the engine and transmission, potentially causing them to overheat or fail completely.

In addition to physical damage, brake failure can also cause emotional trauma for those involved in the accident. The experience of being in a car that is out of control and unable to stop can be terrifying, and can lead to long-term anxiety and PTSD. It can also be emotionally devastating for those who are injured or lose loved ones in the accident.

How To Know When Your Brakes Are Failing

It’s crucial to be aware of the signs that your brakes may be failing before it’s too late. Some common signs of brake failure include squeaking or grinding noises when applying the brakes, vibration or shaking in the steering wheel when braking, soft or spongy brake pedals, and a tendency for the car to pull to one side when braking. If you notice any of these signs, get your car checked by a mechanic as soon as possible to prevent an accident from happening.

Another sign that your brakes may be failing is if you have to press down harder on the brake pedal than usual to bring the car to a stop. This could indicate that your brake pads are worn out and need to be replaced. Additionally, if you notice that your car takes longer to come to a complete stop than it used to, this could also be a sign of brake failure.

Regular maintenance of your brakes is important to prevent brake failure. It’s recommended to have your brakes checked by a mechanic at least once a year, or more frequently if you drive in stop-and-go traffic or frequently drive in hilly areas. Keeping your brakes in good condition not only ensures your safety but also helps to prolong the life of your car’s braking system.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Can You Prevent Brake Failure From Happening?

Preventing brake failure is possible with proper maintenance and care of your vehicle. Regularly checking your brakes and getting them serviced can help catch any issues early and prevent them from causing dangerous situations on the road. Make sure to follow the manufacturer’s recommendations for replacing your brake pads and brake fluid, and avoid overloading your car, which can put excessive strain on your brakes.

In addition to regular maintenance, it’s important to also pay attention to any warning signs that your brakes may be failing. These can include squeaking or grinding noises, a soft or spongy brake pedal, or a vibration when braking. If you notice any of these signs, it’s important to get your brakes checked by a professional as soon as possible to prevent further damage and ensure your safety on the road.

What To Do If You Experience Brake Failure On The Road

If you experience brake failure while driving, it’s crucial to remain calm and take immediate action. First, try pumping the brake pedal to build up some pressure, which may help slow down the car. If that doesn’t work, shift the car into a lower gear to help slow it down further. If there’s an emergency brake, use it cautiously to slow your car down. Finally, look for an open space like a field or empty parking lot to come to a stop – avoid stopping on a busy street if possible. Once you’ve stopped, call for help as soon as you can.

It’s important to note that regular maintenance of your vehicle’s brakes can help prevent brake failure. Make sure to have your brakes checked and serviced regularly by a qualified mechanic. Additionally, it’s a good idea to always keep a safe distance from the car in front of you, as sudden stops can put a lot of strain on your brakes.

If you find yourself in a situation where you need to stop quickly and your brakes aren’t working, remember to use your horn and turn on your hazard lights to alert other drivers. Stay focused on the road and avoid panicking, as this can make the situation worse. By remaining calm and taking quick action, you can help prevent accidents and keep yourself and others safe on the road.

Does Shelter Insurance Offer Coverage For Brake Failure Damage?

Now, the big question: does Shelter Insurance car insurance cover damage caused by brake failure? The answer is that it depends on the policy you choose. Some Shelter Insurance policies do offer coverage for damage caused by brake failure, while others do not. It’s important to review your policy carefully and speak with a Shelter Insurance agent to determine what type of coverage is included and whether brake failure coverage is available as an add-on.

It’s worth noting that even if your policy does not explicitly cover brake failure damage, you may still be able to file a claim if the accident was caused by a faulty part or manufacturing defect. In these cases, the manufacturer or supplier of the faulty part may be held liable for the damages, and your insurance company may be able to help you navigate the claims process.

Additionally, it’s important to keep up with regular maintenance and inspections of your vehicle’s brakes to prevent accidents and ensure that your insurance policy remains valid. Many insurance companies require proof of regular maintenance and may deny a claim if it’s determined that the accident was caused by neglect or failure to properly maintain the vehicle.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What Does Shelter Insurance Car Insurance Cover?

Most Shelter Insurance car insurance policies offer some level of coverage for expenses related to car accidents, including damage to your car and other property, medical bills, and liability if you’re found responsible for the accident. The exact coverage limits and deductibles will depend on the policy you choose, and there may be options to add additional coverage like rental car reimbursement or roadside assistance.

Is There An Additional Premium For Brake Failure Coverage?

If brake failure coverage is available from Shelter Insurance, it may come with an additional premium cost. This cost will depend on several factors, including the level of coverage you choose, the make and model of your car, and your driving history. Be sure to compare options and costs carefully before making a decision about whether to add brake failure coverage to your policy.

How To File A Claim With Shelter Insurance For Brake Failure Damage

If you experience brake failure-related damage and have coverage through Shelter Insurance, the first step is to file a claim. You can do this by calling your agent directly or using the online claim center on the Shelter Insurance website. Make sure to provide as much information as possible, including the location of the accident, the extent of the damage, and any injuries sustained. An adjuster will contact you shortly after to begin assessing the damage and determining the best course of action.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Other Types Of Car Insurance Coverage To Consider

In addition to brake failure coverage, there are other types of car insurance coverage you may want to consider to protect yourself and your vehicle. Comprehensive coverage is an option that covers expenses related to damage outside of accidents, including theft, vandalism, and natural disasters. Collision coverage specifically covers damage incurred during accidents. And liability coverage is a must-have option that covers costs associated with injury or property damage for which you’re found to be at fault.

Comparing Shelter Insurance Car Insurance With Other Providers

If you’re in the market for car insurance, it’s a good idea to shop around and compare different providers to find the best coverage and price for your needs. Shelter Insurance is one option, but there are many others to consider as well. Some other popular car insurance providers include GEICO, State Farm, and Allstate. Make sure to review policies and get quotes from multiple providers before making a decision.

Tips For Choosing The Right Car Insurance Policy For You

Choosing the right car insurance policy can be a daunting task, but there are a few tips that can help simplify the process. First, assess your needs and budget, and determine what type of coverage is most important for you. Next, review policies from multiple providers and compare the coverage and cost side by side. Finally, don’t forget to read the fine print and ask questions to clarify any doubts before making a decision.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Frequently Asked Questions About Shelter Insurance Car Insurance And Brake Failure Coverage

Here are a few frequently asked questions about Shelter Insurance car insurance and brake failure coverage:

• Does Shelter Insurance offer roadside assistance? Yes, some Shelter Insurance policies offer roadside assistance as an add-on option.
• What types of vehicles does Shelter Insurance cover? Shelter Insurance offers coverage for cars, trucks, motorcycles, and recreational vehicles like boats and RVs.
• What factors affect the cost of car insurance? The cost of car insurance is influenced by various factors, including your driving history, age, location, make and model of your car, and level of coverage among others.
• Is Shelter Insurance available in all states? No, Shelter Insurance is available in select states across the Midwest and South, including Missouri, Illinois, and Arkansas, among others.

Now that you have a better understanding of Shelter Insurance car insurance, brake failure, and related coverage options, you can make an informed decision on how to protect yourself and your vehicle in the event of an accident. Remember to always practice safe driving habits and prioritize regular maintenance on your vehicle to prevent dangerous situations like brake failure from occurring in the first place.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption