Suspension Struts or Shocks
Manufacturer warranty
Potentially covered under bumper-to-bumper coverage while active, though struts/shocks can also be treated as a wear item depending on mileage and manufacturer.
Powertrain coverage
Not included — suspension is not part of the powertrain.
Exclusionary service contract
Coverage varies by contract; some plans include suspension components, others exclude them as wear items.
Auto insurance
Ordinary mechanical failure or wear is normally not covered by standard auto insurance.
Manufacturer recall
Only applicable if there's an open recall for a specific suspension-system defect.
Want to know what this component actually does, common failure symptoms and what to ask a mechanic? See the full Suspension Struts or Shocks entry in the Repair Library.
This is general guidance about how these coverage categories typically work, not a diagnosis or a claim about any specific provider, manufacturer or your own contract. Always check your actual warranty booklet or service contract for what's really covered.