Will Car Insurance Cover a Blown Engine?
A blown engine is a serious problem that can leave you stranded on the side of the road. But will your car insurance cover the cost of repairs? The answer depends on a few factors, including:
- Your insurance policy
- The cause of the blown engine
- Your deductible
Your Insurance Policy
Most car insurance policies include coverage for damage to your vehicle, including the engine. However, there are some policies that may exclude coverage for certain types of engine damage, such as damage caused by:
- Lack of maintenance
- Overheating
- Racing
If you are unsure whether your policy covers blown engines, you should contact your insurance company to find out.
The Cause of the Blown Engine
The cause of the blown engine will also affect whether your insurance policy covers the cost of repairs. If the engine was damaged due to a covered cause, such as a collision or theft, then your insurance policy should cover the cost of repairs.
However, if the engine was damaged due to an uncovered cause, such as lack of maintenance or overheating, then your insurance policy may not cover the cost of repairs.
Your Deductible
Your deductible is the amount of money that you have to pay out of pocket before your insurance policy starts to pay for repairs. If the cost of repairing the blown engine is less than your deductible, then you will be responsible for paying for the entire cost of repairs.
However, if the cost of repairing the blown engine is more than your deductible, then your insurance policy will cover the cost of repairs minus your deductible.
What to Do If Your Engine Blows
If your engine blows, the first thing you should do is pull over to the side of the road and turn off the engine. Then, you should call your insurance company to report the claim.
Your insurance company will send an adjuster to inspect the damage and determine whether the cost of repairs is covered by your policy. If the cost of repairs is covered, your insurance company will pay for the repairs minus your deductible.
Conclusion
Whether or not your car insurance will cover a blown engine depends on a few factors, including your insurance policy, the cause of the blown engine, and your deductible. If you are unsure whether your policy covers blown engines, you should contact your insurance company to find out.
