## Does Car Insurance Cover Blown Engines?
Your car’s engine is one of its most important components. It’s responsible for powering the vehicle and keeping it running smoothly. But what happens if your engine blows? Will your car insurance cover the cost of repairs?
The answer to this question depends on several factors, including:
* The type of car insurance you have
* The cause of the blown engine
* The age and mileage of your car
Types of Car Insurance
There are two main types of car insurance: collision and comprehensive.
* **Collision insurance** covers damage to your car caused by a collision with another vehicle or object.
* **Comprehensive insurance** covers damage to your car caused by events other than a collision, such as theft, vandalism, and natural disasters.
If you have collision insurance, your insurance company will likely cover the cost of repairs if your engine blows due to a collision. However, if you only have comprehensive insurance, your insurance company will not cover the cost of repairs unless the blown engine was caused by a covered event, such as a natural disaster.
Cause of the Blown Engine
The cause of the blown engine will also affect whether or not your insurance company will cover the cost of repairs. If the engine blew due to a mechanical failure, your insurance company will likely not cover the cost of repairs. However, if the engine blew due to a covered event, such as a collision or natural disaster, your insurance company will likely cover the cost of repairs.
Age and Mileage of Your Car
The age and mileage of your car can also affect whether or not your insurance company will cover the cost of repairs. If your car is old and has a lot of miles, your insurance company may consider it to be a total loss and not worth repairing. In this case, your insurance company will likely pay you the actual cash value of your car, which is the amount your car was worth before the engine blew.
What to Do If Your Engine Blows
If your engine blows, the first thing you should do is contact your insurance company. Your insurance company will be able to tell you whether or not your policy covers the cost of repairs and how to file a claim.
You should also take your car to a mechanic to have it inspected. The mechanic will be able to determine the cause of the blown engine and provide you with an estimate of the cost of repairs.
Once you have the mechanic’s estimate, you can submit it to your insurance company. Your insurance company will then review the estimate and determine how much they will pay for the repairs.
If your insurance company does not cover the cost of repairs, you will be responsible for paying for them out of pocket. However, you may be able to get a loan from a bank or credit union to help you pay for the repairs.
Conclusion
Whether or not car insurance covers blown engines depends on several factors, including the type of insurance you have, the cause of the blown engine, and the age and mileage of your car. If you have any questions about whether or not your insurance will cover the cost of repairs, you should contact your insurance company.
