Does Car Insurance Cover Engine Failure?

Engine failure is a major repair that can cost thousands of dollars. In many cases, it can even total your car. So, it’s important to know whether or not your car insurance policy will cover the cost of engine failure.

The answer to this question depends on the type of car insurance coverage you have. There are two main types of car insurance coverage: comprehensive and collision.

Comprehensive Coverage

Comprehensive coverage protects your car from damage that is not caused by a collision. This includes damage from theft, vandalism, fire, and natural disasters. Comprehensive coverage also covers engine failure if it is caused by a covered peril, such as a fire or flood.

Collision Coverage

Collision coverage protects your car from damage that is caused by a collision with another vehicle or object. Collision coverage does not cover engine failure unless it is caused by a collision.

What If My Engine Fails Due to Normal Wear and Tear?

If your engine fails due to normal wear and tear, your car insurance policy will not cover the cost of repairs. Normal wear and tear is not considered a covered peril under either comprehensive or collision coverage.

How Can I Avoid Paying for Engine Failure Repairs?

There are a few things you can do to avoid paying for engine failure repairs:

• Get regular maintenance. Regular maintenance can help to prevent engine failure by identifying and fixing small problems before they become big ones.
• Drive carefully. Avoiding collisions can help to protect your engine from damage.
• Purchase comprehensive coverage. Comprehensive coverage will protect your car from damage caused by a covered peril, such as a fire or flood.

Conclusions

Engine failure is a major repair that can cost thousands of dollars. In many cases, it can even total your car. So, it’s important to know whether or not your car insurance policy will cover the cost of engine failure. The answer to this question depends on the type of car insurance coverage you have. Comprehensive coverage will cover engine failure if it is caused by a covered peril, such as a fire or flood. Collision coverage does not cover engine failure unless it is caused by a collision.

If you want to avoid paying for engine failure repairs, you should get regular maintenance, drive carefully, and purchase comprehensive coverage.