What do you do if you have full auto insurance coverage and your car breaks down and is totaled?

Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical breakdown and you are able to replace it within a few weeks to a month I would suggest keeping your insurance policy active. This is to avoid having a lapse in insurance coverage which could result in higher insurance premiums when you get another car.

AnswerYour car breaking down, and your car being totalled are 2 separate considerations. If your car mechanically breaks down, there is no coverage. If the car has been totaled in an accident, there may be coverage. I guess, more specific info is needed.