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Why You Might Need Mechanical Breakdown Insurance for Your Car

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Most of us rely on our cars in our daily lives. Nearly three-fourths of Americans use a car to get to work, and nearly 90% of us use our cars to buy groceries. Cars are really expensive these days—even used ones—but we simply cannot live without them.

This means that if your car breaks down it’s more than just an inconvenience for a lot of people—it’s a crisis. A car in the shop means a huge repair bill—and if you can’t afford to get the car fixed, it has an impact on every aspect of your life, from your ability to earn a living to your ability to keep the pantry stocked or access other vital services. If the idea of a car breakdown gives you extreme anxiety, you should consider mechanical breakdown insurance (MBI).

What is MBI?

Your standard auto insurance policy doesn’t cover any sort of mechanical breakdown. Mechanical breakdown insurance covers the primary mechanical systems of your vehicle—the engine, the transmission, the drivetrain, brakes, and electrical system. Policies differ, so you might find MBI that covers more than these basics, or that includes exceptions. Most MBI policies won’t cover maintenance like tuneups, fluid changes, new tires, or specific parts like brake shoes that wear out and need replacement. Again, specific policies will list different exclusions. Typically, MBI is added to your existing insurance policy as an endorsement, but you can purchase it as a standalone policy as well.

Costs

Mechanical breakdown insurance is typically less expensive than an extended warranty on a newer car; most policies run between $30 and $100 annually—extended vehicle warranties can run into the thousands. Like all insurance, MBI comes with a deductible, usually around $250. Considering that the average repair bill on a car is about $550 (and something like a fuel pump replacement can easily exceed $1,000), that’s a pretty good deal, and becomes an even better deal if you don’t have any warranty options on your car at all.

Eligibility

Most MBI policies are offered on newer cars—typically less than 15 months old, with fewer than 15,000 miles. Once you have the coverage, however, you usually have the option to maintain it for a period of time—seven years, typically, or up to 100,000 miles on the odometer. These numbers vary between insurers, however, so you’ll need to check with individual insurers to get specifics.

If you have an older car or a used car, you can still buy MBI. Good Sam offers a standalone MBI policy for cars that are 10 years old or newer with fewer than 100,000 miles, for example, and Mercury Insurance offers MBI for cars seven years old or newer with 100,000 miles or fewer. One thing to keep in mind is that many MBI policies specify that coverage ends once your car hits a certain age or a specific number of miles. For example, if you buy a policy for a car that has 90,000 miles and it states that coverage ends at 100,000 miles, the moment your odometer rolls over to 100,000 your car is no longer covered.

Finally, unlike other car insurance policies, no personal information like your driving record is taken into account. The details of the policy are determined solely by the age and condition of your car.

Is MBI worth it?

So, is mechanical breakdown insurance worth it? If your car has an active warranty from a dealer, probably not. You’ll want to read your warranty details carefully to make sure it covers everything that MBI would cover, but if it’s in force and you’ve already paid for it (or its cost is rolled into your monthly payments) MBI probably isn’t necessary.

If your standard warranty is expired, however, MBI is a good idea. It’s generally cheaper than an extended warranty, and can save you a lot of money if your car suddenly breaks down. Considering the financial impact of a car breakdown is enhanced by missed work (and missed paychecks), being able to immediately get your car repaired as opposed to having to cobble together the money can be a huge relief.





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Barcelona 1-4 Paris St-Germain (Agg: 4-6): Kylian Mbappe scores twice as PSG reach last four

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PSG players celebrate
Paris St-Germain are into their first Champions League semi-final in three years

Kylian Mbappe scored twice as Paris St-Germain thrashed Barcelona to turn around a first-leg deficit and reach the semi-finals of the Champions League.

PSG had trailed 3-2 after the first leg in France but took advantage of an early Barcelona sending off to secure their place in the last four for the first time since 2021.

Luis Enrique’s side face a semi-final against Borussia Dortmund, who beat Atletico Madrid 5-4 on aggregate in a thrilling encounter in Germany.

The semi-final first leg takes place on 30 April with the second leg on 7 May.

More to follow.

helpHow to play

Rate players out of 10 throughout or after the game. The rater will close 30 minutes after the final whistle.

Rating range key1 = Give it up10 = Pure perfection

Barcelona

  1. Squad number1Player nameter Stegen

  2. Squad number23Player nameKoundé

  3. Squad number4Player nameAraujo

  4. Squad number33Player nameCubarsí

  5. Squad number2Player nameJoão Cancelo

  6. Squad number8Player namePedri

  7. Squad number22Player nameGündogan

  8. Squad number21Player nameF de Jong

  9. Squad number27Player nameYamal

  10. Squad number9Player nameLewandowski

  11. Squad number11Player nameRaphinha

  1. Squad number5Player nameMartínez

  2. Squad number7Player nameF Torres

  3. Squad number14Player nameJoão Félix

  4. Squad number32Player nameLópez

Paris Saint Germain

  1. Squad number99Player nameG Donnarumma

  2. Squad number2Player nameHakimi

  3. Squad number5Player nameMarquinhos

  4. Squad number21Player nameHernández

  5. Squad number25Player nameNuno Mendes

  6. Squad number33Player nameZaïre-Emery

  7. Squad number17Player nameVitinha

  8. Squad number8Player nameRuiz

  9. Squad number10Player nameDembélé

  10. Squad number7Player nameMbappé

  11. Squad number29Player nameBarcola

  1. Squad number4Player nameUgarte

  2. Squad number11Player nameAsensio

  3. Squad number19Player nameLee Kang-in

  4. Squad number23Player nameKolo Muani

Line-ups

Barcelona

Formation 4-3-3

  • 1ter Stegen
  • 23Koundé
  • 4AraujoBooked at 29mins
  • 33Cubarsí
  • 2CanceloSubstituted forJoão Félixat 82′minutes
  • 8PedriSubstituted forF Torresat 62′minutes
  • 22GündoganBooked at 64mins
  • 21F de JongSubstituted forLópezat 82′minutesBooked at 90mins
  • 27YamalSubstituted forMartínezat 34′minutesBooked at 40mins
  • 9LewandowskiBooked at 50mins
  • 11RaphinhaBooked at 90mins

Substitutes

  • 5Martínez
  • 7F Torres
  • 13Peña Sotorres
  • 14João Félix
  • 17Alonso
  • 18Romeu
  • 19Roque Ferreira
  • 26Astralaga
  • 30Casadó
  • 32López
  • 38Guiu
  • 39Fort

PSG

Formation 4-3-3

  • 99G DonnarummaBooked at 87mins
  • 2Hakimi
  • 5MarquinhosBooked at 62mins
  • 21Hernández
  • 25Nuno Mendes
  • 33Zaïre-EmerySubstituted forUgarteat 80′minutes
  • 17Vitinha
  • 8RuizBooked at 45minsSubstituted forAsensioat 77′minutes
  • 10DembéléSubstituted forKolo Muaniat 88′minutes
  • 7MbappéBooked at 40mins
  • 29BarcolaSubstituted forLee Kang-inat 77′minutes

Substitutes

  • 1Navas
  • 4Ugarte
  • 9Gonçalo Ramos
  • 11Asensio
  • 15Danilo
  • 19Lee Kang-in
  • 23Kolo Muani
  • 26Mukiele
  • 28Soler
  • 35Lopes Beraldo
  • 37Skriniar
  • 80Tenas

Referee:
István Kovács

Live Text





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Magnitude 2.8 earthquake reported in View Park-Windsor Hills

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A magnitude 2.8 earthquake was reported Tuesday at 8:19 a.m. Pacific time in Los Angeles’ View Park-Windsor Hills neighborhood, according to the U.S. Geological Survey.

The earthquake‘s epicenter was 7.1 miles beneath the intersection of Overland Drive and Northridge Drive, near Windsor Hills Elementary School. .

In the last 10 days, there have been no earthquakes of magnitude 3.0 or greater centered nearby.

An average of 59 earthquakes with magnitudes between 2.0 and 3.0 occur per year in the Greater Los Angeles area, according to a recent three-year data sample.

Did you feel this earthquake? Consider reporting what you felt to the USGS.

Are you ready for when the Big One hits? Get ready for the next big earthquake by signing up for our Unshaken newsletter, which breaks down emergency preparedness into bite-sized steps over six weeks. Learn more about earthquake kits, which apps you need, Lucy Jones’ most important advice and more at latimes.com/Unshaken.

This story was automatically generated by Quakebot, a computer application that monitors the latest earthquakes detected by the USGS. A Times editor reviewed the post before it was published. If you’re interested in learning more about the system, visit our list of frequently asked questions.



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Justice Thomas returns to Supreme Court after 1-day absence

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WASHINGTON (AP) — Supreme Court Justice Clarence Thomas is back on the bench after an unexplained one-day absence.

Thomas, 75, was in his usual seat, to the right of Chief Justice John Roberts as the court met to hear arguments in a case about the Capitol riot on Jan. 6, 2021.

Thomas has ignored calls from some progressive groups to step aside from cases involving Jan. 6 because his wife, Ginni, attended then-President Donald Trump‘s rally near the White House before protesters descended on the Capitol. Ginni Thomas, a conservative activist, also texted senior Trump administration officials in the weeks after the election offering support and reiterating her belief that there was widespread fraud in the election.

On Monday, Roberts announced Thomas’ absence, without providing an explanation. Justices sometimes miss court, but participate remotely. Thomas did not take part in Monday’s arguments.

He was hospitalized two years ago with an infection, causing him to miss several court sessions. He took part in the cases then, too.

Thomas is the longest serving of the current justices, joining the Supreme Court in 1991.



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