Mechanical Breakdown Insurance (MBI)

Optional auto coverage that pays to repair major mechanical failures — engine, transmission — beyond normal wear. An insurance cousin of the extended warranty.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.