When you own a car (and this does cover any type of vehicle from cars to trucks to vans/mini-vans to SUVs) you already know that you are going to be paying a great deal of money out for fuel, repairs/maintenance and upkeep before having to deal with any mechanical problems. When you do have to deal with having the engine breaking down or a tire blowing out you need to realize this –the situation is a bad one to begin with- but not having any type of a plan in place that will allow you to cope with this in a reasonable way is only going to make an “inconvenient” (and possibly dangerous/deadly) situation even more stressful.
The best thing that you can do is have a plan in place beforehand that will allow you to make sure that you are “covered” whenever something like this happens. The next question is probably going to be something about whether Break down Insurance even exists and what all it covers. The answer to this is that “Break down Insurance” certainly does exist and is commonly called an Automotive Warranty. This type of “policy is actually designed to anticipate the fact that you are going to end up dealing with a mechanical break down eventually and will be there to cover the repair expenses that you would otherwise have to pay out of your own pocket at the tome of the break down. You are going to wind up paying for repairs anyway, so why not pay ahead of time and reduce the headaches?