Does Car Insurance Cover Car Engine Failure?

In a nutshell

Generally, car insurance does not cover car engine failure. However, there are some exceptions. For example, if the engine failure is caused by a covered peril, such as a collision or theft, then the damage may be covered by your insurance policy. Additionally, some extended warranties may cover engine failure.

What is engine failure?

Engine failure is the inability of an engine to perform its intended function. This can be caused by a variety of factors, such as mechanical failure, overheating, or lack of lubrication. Engine failure can range from minor problems, such as a blown head gasket, to major problems, such as a seized engine.

What are the different types of car insurance?

There are several different types of car insurance, each with its own coverage limits and exclusions. The most common types of car insurance include:

• Liability insurance: This type of insurance covers damage to other people’s property or injuries caused by you or your vehicle.
• Collision insurance: This type of insurance covers damage to your own vehicle caused by a collision with another vehicle or object.
• Comprehensive insurance: This type of insurance covers damage to your own vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.

What does car insurance cover?

Car insurance typically covers damage to your vehicle caused by covered perils, such as:

• Collisions
• Thefts
• Vandalism
• Natural disasters

Does car insurance cover engine failure?

Generally, car insurance does not cover engine failure. However, there are some exceptions. For example, if the engine failure is caused by a covered peril, such as a collision or theft, then the damage may be covered by your insurance policy. Additionally, some extended warranties may cover engine failure.

What to do if your car engine fails

If your car engine fails, it is important to take the following steps:

1. Pull over to a safe location. If possible, pull over to the side of the road in a safe location.
2. Turn on your hazard lights. This will alert other drivers to your presence.
3. Call for help. Call your insurance company or a tow truck to get your car towed to a repair shop.

How to prevent car engine failure

There are a few things you can do to help prevent car engine failure, such as:

• Get regular maintenance. This includes things like oil changes, tire rotations, and brake inspections.
• Drive carefully. Avoid speeding, hard braking, and sudden acceleration.
• Use the right fuel. Make sure you are using the correct type of fuel for your car.

Conclusion

Car engine failure is a serious problem that can be expensive to repair. However, by following the tips above, you can help prevent car engine failure and keep your car running smoothly.