Can I Claim on My Car Insurance for Engine Failure?

Introduction

Engine failure is a major inconvenience and can be a costly repair. If you have car insurance, you may be wondering if you can claim for engine failure. The answer to this question depends on the specific circumstances of your case and the terms of your insurance policy.

Types of Engine Failure Covered by Insurance

Not all types of engine failure are covered by car insurance. Typically, insurance will only cover engine failure that is caused by a sudden and unexpected event, such as:

A collision
A fire
A theft
A flood
A mechanical failure that is covered under your policy

Exclusions from Coverage

There are also some types of engine failure that are not covered by car insurance. These include:

Engine failure that is caused by normal wear and tear
Engine failure that is caused by a lack of maintenance
Engine failure that is caused by a modification to your car that is not covered by your policy

How to File a Claim for Engine Failure

If you believe that your engine failure is covered by your car insurance, you should file a claim as soon as possible. To file a claim, you will need to contact your insurance company and provide them with the following information:

Your policy number
The date and time of the engine failure
The location of the engine failure
A description of the engine failure
Any documentation you have that supports your claim, such as a repair estimate or a police report

Once you have filed a claim, your insurance company will investigate the matter and determine whether or not your claim is covered. If your claim is approved, your insurance company will pay for the cost of repairing or replacing your engine, up to the limits of your policy.