Can you claim on your car insurance for engine failure?
What is engine failure?
Engine failure is when your car’s engine stops working properly. This can be caused by a number of things, including:
* Lack of maintenance
* Overheating
* Oil leaks
* Timing belt failure
* Head gasket failure
* Piston damage
* Valve damage
Is engine failure covered by car insurance?
Whether or not engine failure is covered by car insurance depends on the type of insurance you have and the cause of the failure.
Comprehensive insurance typically covers engine failure caused by events outside of your control, such as:
* Accidents
* Theft
* Vandalism
* Natural disasters
Collision insurance typically covers engine failure caused by a collision with another vehicle or object.
Mechanical breakdown insurance is an optional coverage that can be added to your car insurance policy. This coverage can help you pay for repairs to your car’s engine, even if the failure is not caused by an accident or covered by your comprehensive or collision insurance.
What to do if your car’s engine fails
If your car’s engine fails, it is important to:
* Pull over to the side of the road in a safe location.
* Turn off the engine.
* Call your insurance company to report the claim.
* Have your car towed to a mechanic for repairs.
How to avoid engine failure
There are a number of things you can do to help avoid engine failure, including:
* Get regular oil changes.
* Check your car’s fluids regularly.
* Avoid overheating your car.
* Get your car serviced regularly.
Conclusion
Whether or not you can claim on your car insurance for engine failure depends on the type of insurance you have and the cause of the failure. If you are unsure whether or not your insurance will cover engine failure, it is best to contact your insurance company.
