The short answer is.. BOTH! You don’t JUST want mechanical breakdown coverage on your vehicle because all of those “wear and tear” costs can add up just as fast. The main problem with just getting mechanical breakdown coverage is that most sleezy warranty companies will excuse any type of repair as “wear and tear” and therefore they don’t have to pay up.
They will tell you that your part did not “break”, it just wore out and needed to be replaced. And guess how will get to pay for the cost of replacing it? That’s right, you. This is why it’s also vital to get a list of everything that is covered and get that list in writing somehow. Of course, when you work with a reputable company you don’t have to worry about the claims department rejecting every claim you make.
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