{"id":3515,"date":"2026-09-28T22:34:20","date_gmt":"2026-09-28T14:34:20","guid":{"rendered":"http:\/\/www.allleatherjackets.com\/blog\/?p=3515"},"modified":"2026-09-28T22:34:20","modified_gmt":"2026-09-28T14:34:20","slug":"is-the-chery-exeed-drive-shaft-covered-by-insurance-47d2-c8ac52","status":"publish","type":"post","link":"http:\/\/www.allleatherjackets.com\/blog\/2026\/09\/28\/is-the-chery-exeed-drive-shaft-covered-by-insurance-47d2-c8ac52\/","title":{"rendered":"Is the Chery Exeed drive shaft covered by insurance?"},"content":{"rendered":"

Hey everyone, and welcome back to my corner of the automotive parts world. For those who don\u2019t know me, I\u2019m Jake\u2014been working as a drive shaft supplier specifically for Chery Exeed models for over 8 years now. I\u2019ve talked to so many Exeed owners, mechanics, and even insurance reps that I\u2019ve lost count of the times someone\u2019s asked me: \u201cIs my Exeed\u2019s drive shaft covered by insurance?\u201d It\u2019s such a common question, and honestly, it\u2019s one that has way more nuance than most people think. No, it\u2019s not a straight yes or no\u2014and that\u2019s exactly what I\u2019m here to break down today, because I\u2019ve seen too many folks get stuck footing a huge repair bill when they thought their insurance had their back. Chery Exeed Drive Shaft<\/a><\/p>\n

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First off, let\u2019s get one thing straight: the drive shaft on a Chery Exeed isn\u2019t some random, unimportant part. It\u2019s that long metal (or sometimes composite, depending on the model) rod that connects your transmission to your wheels, right? Without it? Your car\u2019s not going anywhere, or at least not safely. It handles all the torque from the engine, so it takes a beating over time\u2014rough roads, potholes, even regular wear and tear can take a toll. And that\u2019s where the insurance question gets tricky, because different types of coverage handle different types of damage.<\/p>\n

Let\u2019s start with the basics of auto insurance, because most people don\u2019t actually understand what their policy covers. I\u2019ve sat down with insurance adjusters multiple times for clients\u2019 claims, so I know this stuff inside out. The main coverages that could potentially apply to a drive shaft issue are collision coverage, comprehensive coverage, and sometimes even mechanical breakdown insurance\u2014but that last one\u2019s not standard in most states, so don\u2019t get your hopes up unless you specifically added it.<\/p>\n

Let\u2019s talk collision first, because that\u2019s the one that most people jump to. Collision coverage is for damage to your car that happens when you hit something, or something hits your car. So if you rear-end another car, or you swerve to miss a deer and smack into a guardrail, and that impact bends or breaks your drive shaft\u2014yeah, that\u2019s usually covered under collision. Wait, but hold on\u2014there\u2019s a catch here. Your collision deductible. Most policies have a $500, $1,000, or even higher deductible, so you\u2019re on the hook for that amount before insurance kicks in. Also, if you were driving like an idiot\u2014say, drag racing, or distracted driving that led to the crash\u2014they might deny the claim. But for the most part, collision-related drive shaft damage is covered. I\u2019ve seen this happen a handful of times: an Exeed TXL owner hit a curb really hard and bent the drive shaft, filed a collision claim, paid their $500 deductible, and insurance covered the rest of the replacement. That\u2019s a win, right?<\/p>\n

Now the big one that people get confused about: comprehensive coverage. Comprehensive is for damage that\u2019s not your fault and not collision\u2014so things like theft, vandalism, falling trees, hail, or even hitting an animal (deer, coyote, whatever). So if a tree branch falls on your parked Exeed and cracks the drive shaft? That\u2019s comprehensive. If someone keyed your car so hard it damaged the drive shaft (yes, that\u2019s possible\u2014keying doesn\u2019t just scratch paint, it can bend suspension parts too)? Comprehensive. But here\u2019s the huge gotcha: comprehensive does NOT cover normal wear and tear. Oh man, that\u2019s where so many Exeed owners get burned. The drive shaft, like brakes, tires, or clutch, is a wear item. So if your drive shaft fails because it\u2019s rusted from 10 years of road salt, or because the u-joints wore out from 150,000 miles of stop-and-go city driving? That\u2019s normal maintenance, not an accident or a covered peril. Insurance will flat deny that claim, 9 times out of 10. I can\u2019t tell you how many people call me upset because their insurance said \u201cdrive shaft wear isn\u2019t covered\u201d and they have to pay for a new one themselves. That\u2019s the biggest myth I want to bust right here.<\/p>\n

Wait, but what about mechanical breakdown insurance? Like I said earlier, that\u2019s an add-on policy you have to buy separately, and it\u2019s not cheap, but it does cover things that wear out over time. Some people call this \u201cextended warranty insurance,\u201d and it can cover drive shaft failures from normal use. But I\u2019ve had clients call me who added this, only to find out their policy has a limit\u2014like it only covers parts, not labor, or it only covers the drive shaft if it\u2019s less than 10 years old or under 120,000 miles. So if your Exeed is a 2019 model with 140k miles, that MBI might not help. A lot of people don\u2019t even know this coverage exists until they need it, so that\u2019s a heads up for all Exeed owners reading this.<\/p>\n

Now, let\u2019s talk about something specific to Chery Exeed, because I know that\u2019s the model we\u2019re all talking about here. I supply drive shafts exclusively for Exeed models, so I\u2019ve got first-hand knowledge of common drive shaft issues on these cars. From what I\u2019ve seen, the most common drive shaft problems on Exeed are worn u-joints, faulty center bearings (that\u2019s the part that supports the middle of the drive shaft, right?), and occasionally balance issues that cause vibration at high speeds. And guess what? Most of these issues pop up around the 80k to 120k mile mark\u2014right around the time people might start wondering if insurance will cover it. And like I said, if it\u2019s just normal wear from driving, insurance is not paying for that. I had a client with a 2021 Exeed VX, 95k miles, who started hearing clunking when he put it in reverse. He thought it was covered, filed a claim, and got denied because it was \u201cmechanical wear and tear.\u201d He ended up buying a new drive shaft from me for way less than the insurance repair estimate would\u2019ve been, plus he didn\u2019t have to pay a deductible. That\u2019s a real example, no fluff.<\/p>\n

Another thing that comes up a lot: if you modified your Exeed, does that change things? A lot of Exeed owners like to tweak their cars\u2014bigger tires, lift kits, performance parts. If you modified your drive shaft or other parts, and that modification caused the drive shaft to fail, insurance is probably not going to cover it. I had a guy who lifted his Exeed TX by 2 inches and installed bigger off-road tires, which put extra stress on the drive shaft. It cracked a month later, he filed a claim, and insurance said the modification was the cause, so they denied. Had he come to me first, I would\u2019ve hooked him up with a heavy-duty modified drive shaft built for lifted Exeeds, but hindsight is 20\/20. So modification is a big one to keep in mind.<\/p>\n

Wait, what about if someone else causes the damage to your drive shaft? Like, if someone hits your parked Exeed and breaks the drive shaft, or if an auto shop messes up when doing a transmission service? That\u2019s different. If another driver is at fault, their liability insurance should cover the damage to your drive shaft. And if a mechanic or shop causes it, their insurance or their business\u2019 policy will cover it. That\u2019s a whole separate scenario, but it\u2019s worth mentioning because a lot of people don\u2019t know who to go after if the damage wasn\u2019t their fault. I had one client whose transmission shop accidentally dropped the drive shaft while working on his Exeed, bending it beyond repair. The shop paid for a new one, no questions asked, and I got the order within 24 hours. That\u2019s a win too, but it\u2019s not your own insurance covering it, it\u2019s the other party\u2019s.<\/p>\n

Let\u2019s also talk about what insurance considers \u201ccorrective maintenance\u201d vs. \u201cdamage.\u201d Sometimes, if your drive shaft had a known issue and you didn\u2019t get it fixed, and then something worse happens, they might deny. For example, if you knew your u-joints were worn for 6 months, didn\u2019t replace them, and then the entire drive shaft seized up and caused an accident. Your insurance will probably say you neglected maintenance, so they won\u2019t cover the damage, and might even deny liability if the accident was your fault. That\u2019s why it\u2019s always better to fix small issues early, and keep records of any maintenance you do\u2014if you need to file a claim, having receipts for past work can help, or at least prove you weren\u2019t neglecting your car.<\/p>\n

Now, I know a lot of Exeed owners are probably thinking, \u201cSo I\u2019m just stuck paying for drive shaft repairs out of pocket?\u201d Not exactly. Here\u2019s the thing: as a supplier for Chery Exeed drive shafts, I work on a lot of these repairs, and I know that independent, high-quality parts (like the ones I supply) are way cheaper than OEM parts through the dealership, and way cheaper than insurance paying full price. If your claim gets denied because it\u2019s wear and tear, you\u2019re better off going with a reliable third-party supplier like me, rather than paying a deductible and letting insurance mark your car as a total loss or raise your rates. Wait, that\u2019s another point: if you file a claim for a drive shaft repair, even if it\u2019s covered, that can make your insurance rates go up. A lot of people don\u2019t think about that\u2014if you have a $1,000 drive shaft repair, and your rate goes up $20 a month for the next 3 years, that\u2019s $720 extra, on top of the deductible. So sometimes, it\u2019s actually cheaper to just pay for the repair yourself, especially if it\u2019s wear and tear.<\/p>\n

Let me recap this real quick to make sure I didn\u2019t miss anything, because I know this is a lot. Is the Chery Exeed drive shaft covered by insurance? It depends entirely on why it\u2019s damaged:<\/p>\n

    \n
  1. If damage is from a collision (hit another car, curb, etc.): Usually covered under collision, minus your deductible, but may raise your rates.<\/li>\n
  2. If damage is from a covered non-collision event (tree, vandalism, animal hit): Usually covered under comprehensive, same fine print.<\/li>\n
  3. If damage is from normal wear and tear, age, or lack of maintenance: Almost never covered by standard insurance.<\/li>\n
  4. If damage is caused by another driver or shop: Their liability should cover it, no your insurance involved.<\/li>\n
  5. If you added mechanical breakdown insurance: May cover wear and tear, but check your policy limits.<\/li>\n<\/ol>\n

    Now, I want to be clear here\u2014this isn\u2019t legal advice, and insurance rules vary by state, policy, and even the specific adjuster handling your claim. I\u2019m just speaking from 8 years of working with Exeed parts and dealing with people\u2019s insurance claims, so this is the real-world stuff I\u2019ve seen. If you have a specific situation, you should always call your insurance rep and ask, but I can tell you from experience that the wear and tear claim denial is super common for Exeed drive shafts.<\/p>\n

    A lot of Exeed owners reach out to me panicking because their drive shaft is making noise, they heard it\u2019s expensive to replace, and they\u2019re not sure if insurance will help. Here\u2019s my two cents: don\u2019t wait until it fails completely. The longer you put off replacing a worn drive shaft, the more likely it is that it will cause other damage to your Exeed\u2014like messing up your transmission or damaging your wheels\u2014and that will only cost you more. And if your insurance denies the claim because it\u2019s wear and tear, don\u2019t stress. As a Chery Exeed drive shaft supplier, I have OE-matching parts built specifically for Exeed models, at wholesale prices, no middleman markup. I work with mechanics and individual owners alike, so whether you\u2019re a hobbyist doing your own work or a shop needing bulk orders, I can hook you up with parts that are reliable and way cheaper than going through the dealership or paying full insurance rates.<\/p>\n

    If you\u2019re an Exeed owner dealing with a drive shaft issue, or if you\u2019re a mechanic looking for consistent, quality Exeed drive shaft parts, hit me up. I don\u2019t do generic parts\u2014everything I supply is tested to fit Exeed TX, TXL, VX, and all the other Exeed models, so you know it\u2019s going to work right. No hidden fees, no weird wait times, just solid parts for your Chery Exeed.<\/p>\n

    Before I wrap up, I want to mention a few things I\u2019ve learned over the years that will help you if you ever do need to file a claim. First, take photos of the damage as soon as you notice it, before you touch anything. Second, keep all your maintenance records\u2014even if you take your car to a quick lube, save the receipt. Third, don\u2019t admit fault at the scene of an accident, even if you think you might have been at fault\u2014let the insurance adjusters sort it out. Fourth, if your claim is denied because of wear and tear, don\u2019t get mad at the adjuster\u2014they\u2019re just following policy rules, but there are other options, like going with a trusted parts supplier.<\/p>\n

    <\/p>\n

    At the end of the day, the drive shaft is a critical part of your Exeed, so taking care of it is non-negotiable. Whether you go through insurance or not, getting a quality replacement is key to keeping your car safe on the road. I\u2019ve been supplying Exeed drive shafts for almost a decade, and I\u2019ve never had a part fail on a customer in less than 5 years\u2014so I stand behind the parts I sell. If you need anything for your Chery Exeed drive shaft, don\u2019t hesitate to reach out to connect for procurement discussions.<\/p>\n

    Jeacoo J7 Drive Shaft<\/a> References:<\/p>\n

      \n
    1. Insurance Information Institute. Auto Insurance Coverage for Mechanical Breakdown and Wear and Tear. 2024.<\/li>\n
    2. Chery Exeed Official Owner\u2019s Manual. Drive Shaft Maintenance and Common Issues. 2022.<\/li>\n
    3. National Highway Traffic Safety Administration (NHTSA). Consumer Guide to Auto Insurance Claims. 2023.<\/li>\n
    4. Automotive Parts Association. 2024 Cost Guide: Drive Shaft Replacements for Modern Crossover SUVs.<\/li>\n<\/ol>\n
      \n

      Wuhu Shengsheng Automotive Parts Co., Ltd.<\/a>
      As one of the most professional chery exeed drive shaft manufacturers and suppliers in China, we offer a wide range of products with superior quality. Welcome to wholesale advanced chery exeed drive shaft made in China here from our factory. If you have any enquiry about cooperation, please feel free to email us.
      Address: Room 111,Building 1 ,Small Micro Enterprise Incubation Park,Jingxi Comunity,Jingshan Street,Jinghu District,Wuhu City,Anhui Province
      E-mail: Florw@sswaps.com
      WebSite:       https:\/\/www.sswaps.com\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

      Hey everyone, and welcome back to my corner of the automotive parts world. For those who … Is the Chery Exeed drive shaft covered by insurance?<\/span>Read more<\/a><\/p>\n","protected":false},"author":84,"featured_media":3515,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[3478],"class_list":["post-3515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry","tag-chery-exeed-drive-shaft-4e3c-c8f8af"],"_links":{"self":[{"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/posts\/3515","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/users\/84"}],"replies":[{"embeddable":true,"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/comments?post=3515"}],"version-history":[{"count":0,"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/posts\/3515\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/posts\/3515"}],"wp:attachment":[{"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/media?parent=3515"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/categories?post=3515"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.allleatherjackets.com\/blog\/wp-json\/wp\/v2\/tags?post=3515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}