Does Car Insurance Cover Engine Failures?

Engine failures can be a major expense, and it’s important to know whether or not your car insurance will cover the cost of repairs. In this article, we’ll discuss the different types of car insurance coverage that may cover engine failures, and we’ll provide some tips for filing a claim.

What Types of Car Insurance Cover Engine Failures?

There are two main types of car insurance coverage that may cover engine failures:

Collision coverage covers damage to your car that is caused by a collision with another vehicle or object. If your engine fails as a result of a collision, your collision coverage will likely cover the cost of repairs.
Comprehensive coverage covers damage to your car that is not caused by a collision. This includes damage caused by theft, vandalism, fire, and natural disasters. If your engine fails due to a non-collision event, your comprehensive coverage may cover the cost of repairs.

What Are the Exclusions to Engine Failure Coverage?

There are some exclusions to engine failure coverage, including:

Wear and tear. Engine failures that are caused by normal wear and tear are not covered by car insurance.
Lack of maintenance. Engine failures that are caused by a lack of maintenance are not covered by car insurance.
Pre-existing conditions. Engine failures that are caused by a pre-existing condition are not covered by car insurance.

How to File a Claim for Engine Failure

If your engine fails, 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 name and contact information
Your policy number
The date and location of the incident
A description of the damage
An estimate of the cost of repairs

Your insurance company will investigate your claim and determine whether or not your engine failure is covered. If your claim is approved, your insurance company will pay for the cost of repairs, up to the limits of your policy.

Tips for Preventing Engine Failures

There are a few things you can do to prevent engine failures, including:

Regular maintenance. The best way to prevent engine failures is to have your car regularly maintained. This includes changing the oil and filter, spark plugs, and other essential components.
Avoid overheating. Overheating can damage your engine, so it’s important to avoid it. If your car starts to overheat, pull over and let it cool down.
Don’t ignore warning lights. If you see a warning light on your dashboard, don’t ignore it. This could be a sign of a problem that, if left unchecked, could lead to engine failure.

Conclusion

Engine failures can be a major expense, but they may be covered by car insurance. If your engine fails, you should file a claim with your insurance company as soon as possible. To prevent engine failures, it’s important to have your car regularly maintained, avoid overheating, and don’t ignore warning lights.