Can I Claim on My Car Insurance for Engine Failure?

Covered Causes of Engine Failure

Whether you can claim on your car insurance for engine failure depends on the cause of the failure. Generally, insurance policies cover engine failures caused by:

• Mechanical failure: This includes failures due to defects in materials or workmanship.
• Collision or accident: Engine damage resulting from a collision with another vehicle or object is covered.
• Theft or vandalism: If your engine is damaged or stolen due to theft or vandalism, you may be able to claim.
• Fire or explosion: Engine damage caused by fire or explosion is typically covered.

Exclusions

However, there are certain exclusions that may prevent you from claiming on your insurance for engine failure, such as:

• Wear and tear: Insurance does not cover damage caused by normal wear and tear, including gradual engine deterioration.
• Lack of maintenance: If your engine failure is due to neglect or improper maintenance, your claim may be denied.
• Modifications: Damage to modified engines may not be covered unless the modifications are approved by your insurer.
• Racing or competition: Engine damage sustained during racing or competitive driving is typically excluded.

Additional Considerations

In addition to the cause of the failure, there are other factors that may affect your claim, such as:

• Policy coverage: Your coverage level and policy limits determine the amount you can claim.
• Deductible: You may have to pay a deductible before your insurance coverage kicks in.
• Proof of cause: You will need to provide evidence to support the cause of the engine failure.

Procedure for Claiming

To claim on your car insurance for engine failure, follow these steps:

1. Contact your insurance company and report the incident.
2. Provide detailed information about the failure, including the cause and any supporting documentation.
3. Cooperate with the insurance adjuster during the investigation and assessment process.
4. Submit a claim form and provide all necessary documentation.
5. Review the claim settlement and ensure you understand the coverage and payment.

Conclusion

Whether you can claim on your car insurance for engine failure depends on the specific cause of the failure, your policy coverage, and any applicable exclusions. By understanding the covered and excluded causes, as well as the claim procedure, you can increase your chances of a successful claim.