Can You Claim on Car Insurance If Engine Blows Up?
Introduction
Engine failure is a major problem that can leave you stranded on the side of the road. If you’re lucky, you’ll be able to get your car towed to a mechanic and have it repaired. But if you’re not so lucky, you could be facing a hefty repair bill.
If your car’s engine blows up, you may be wondering if you can claim on your car insurance. The answer to this question depends on a number of factors, including:
- The type of insurance you have
- The cause of the engine failure
- The age and mileage of your car
Types of Car Insurance
There are two main types of car insurance: comprehensive and collision. Comprehensive insurance covers damage to your car from events such as theft, vandalism, and fire. Collision insurance covers damage to your car from accidents with other vehicles or objects.
If your car’s engine blows up, you will likely need to file a claim under your comprehensive insurance policy. However, if the engine failure was caused by an accident, you may be able to file a claim under your collision insurance policy.
Causes of Engine Failure
There are many different things that can cause an engine to blow up. Some of the most common causes include:
- Overheating
- Oil starvation
- Mechanical failure
- Electrical failure
The cause of the engine failure will determine whether or not you can claim on your car insurance. If the engine failure was caused by a covered event, such as a fire or an accident, you will likely be able to file a claim. However, if the engine failure was caused by a non-covered event, such as a lack of maintenance, you will not be able to claim on your insurance.
Age and Mileage of Your Car
The age and mileage of your car can also affect your ability to claim on your car insurance. If your car is old or has a lot of miles on it, your insurance company may not be willing to cover the cost of repairs. This is because older cars are more likely to experience mechanical problems.
Conclusion
Whether or not you can claim on your car insurance if your engine blows up depends on a number of factors. The type of insurance you have, the cause of the engine failure, and the age and mileage of your car will all play a role in determining whether or not you are eligible for coverage.
If you’re not sure whether or not you can claim on your car insurance, you should contact your insurance company and explain the situation. They will be able to tell you if you are eligible for coverage and how to file a claim.
