Does Car Insurance Cover Engine Replacement?

Comprehensive Coverage

Comprehensive coverage is a type of car insurance that covers damage to your car from events other than collisions, such as theft, vandalism, and natural disasters. In some cases, comprehensive coverage may also cover engine replacement.

However, there are some important limitations to keep in mind. First, comprehensive coverage typically only covers damage to your car if it is a result of a covered peril. For example, if your engine is damaged in a collision, comprehensive coverage will not cover the cost of replacement. Second, comprehensive coverage typically has a deductible, which is the amount you have to pay out of pocket before your insurance coverage kicks in. The deductible for comprehensive coverage is typically higher than the deductible for collision coverage.

Collision Coverage

Collision coverage is a type of car insurance that covers damage to your car from collisions with other vehicles or objects. In most cases, collision coverage will cover the cost of engine replacement if your engine is damaged in a collision.

However, there are some important exceptions to this rule. For example, collision coverage may not cover the cost of engine replacement if your engine is damaged due to a mechanical failure. Additionally, collision coverage may not cover the cost of engine replacement if you are at fault for the collision.

Mechanical Breakdown Insurance

Mechanical breakdown insurance (MBI) is a type of insurance that covers the cost of repairing or replacing your car’s engine if it fails due to a mechanical problem. MBI is not required by law, but it can be a valuable investment if you are concerned about the cost of engine repairs or replacement.

MBI typically covers a wide range of mechanical problems, including engine failure. However, there are some important limitations to keep in mind. First, MBI typically only covers repairs or replacements that are necessary to keep your car running. For example, MBI may not cover the cost of replacing your engine if it is damaged due to a cosmetic defect. Second, MBI typically has a deductible, which is the amount you have to pay out of pocket before your insurance coverage kicks in. The deductible for MBI is typically higher than the deductible for comprehensive coverage or collision coverage.

Conclusion

Whether or not car insurance covers engine replacement depends on the type of coverage you have and the circumstances of the damage. Comprehensive coverage may cover engine replacement if the damage is caused by a covered peril, such as theft or vandalism. Collision coverage may cover engine replacement if the damage is caused by a collision with another vehicle or object. Mechanical breakdown insurance may cover engine replacement if the damage is caused by a mechanical failure.

If you are unsure whether or not your car insurance covers engine replacement, you should contact your insurance company to find out.