Does Car Insurance Cover Engine Damage?
Comprehensive Coverage
Comprehensive coverage is an optional type of car insurance that covers damage to your car that is not caused by a collision. This includes damage caused by vandalism, theft, fire, and natural disasters. Engine damage caused by these events is typically covered by comprehensive coverage.
Collision Coverage
Collision coverage is another optional type of car insurance that covers damage to your car that is caused by a collision with another vehicle or object. Engine damage caused by a collision is typically covered by collision coverage.
Other Types of Coverage
In some cases, engine damage may be covered by other types of car insurance, such as:
- Liability coverage: This type of coverage pays for damage to other people’s property or injuries caused by your car. If your engine fails and causes damage to another car, liability coverage may cover the cost of repairs.
- Uninsured/underinsured motorist coverage: This type of coverage pays for damage to your car or injuries caused by a driver who is uninsured or underinsured. If your engine is damaged by a hit-and-run driver, uninsured/underinsured motorist coverage may cover the cost of repairs.
Exclusions
There are some exclusions to car insurance coverage for engine damage. For example, most policies do not cover engine damage caused by:
- Lack of maintenance
- Racing or other competitive events
- Intentional acts
How to File a Claim
If your engine is damaged, you should file a claim with your insurance company as soon as possible. To file a claim, you will need to provide the following information:
- Your policy number
- The date and location of the incident
- A description of the damage
- Photos of the damage
- A police report (if applicable)
Conclusion
Whether or not car insurance covers engine damage depends on the type of coverage you have and the cause of the damage. Comprehensive coverage typically covers engine damage caused by non-collision events, while collision coverage typically covers engine damage caused by collisions. Other types of coverage may also provide coverage for engine damage in some cases. If your engine is damaged, you should file a claim with your insurance company as soon as possible.
