Confused

One thing I've never understood about car insurance is what they do and don't pay for. Usually of course there's a deductible, but then if you are in a wreck they will help to fix it, or if your windshield needs replaced or a chip filled they take care of that. But routine maintenance, flat tire, breakdowns? Nope. Instead of just needing to pay for comprehensive and collision insurance, you would need a warranty to cover anything else. Good thing our health insurance isn't like that lol. It would be like them only paying for stuff like emergency surgery if you fall off a cliff, but not for broken bones, routine checkups, and preventative care. Of course a car is different from a person lol, but it would be nice if our insurance had paid some of what we had to pay to fix our car last week.