Does Car Insurance Cover if Your Engine Blows?
If your car’s engine blows, you may be wondering if your car insurance will cover the cost of repairs. The answer to this question depends on a number of factors, including the type of coverage you have, the cause of the engine failure, and the age and condition of your car.
Types of Car Insurance Coverage
There are two main types of car insurance coverage: liability and comprehensive.
- Liability insurance covers damage to other people or their property caused by your car. It does not cover damage to your own car.
- Comprehensive insurance covers damage to your car caused by a variety of events, including theft, vandalism, fire, and hail. It also covers damage caused by collisions with animals.
Causes of Engine Failure
Engine failure can be caused by a number of factors, including:
- Lack of maintenance: Failing to change your oil regularly or get your car serviced can lead to engine problems.
- Overheating: If your car’s engine overheats, it can cause serious damage to the engine components.
- Mechanical defects: Some engine failures are caused by mechanical defects in the car’s manufacturing.
Coverage for Engine Failure
Whether or not your car insurance will cover the cost of engine failure depends on the cause of the failure and the type of coverage you have.
Liability insurance will not cover engine failure, regardless of the cause.
Comprehensive insurance may cover engine failure caused by a covered event, such as fire, theft, or vandalism. However, it will not cover engine failure caused by lack of maintenance or overheating.
If your car’s engine fails due to a mechanical defect, you may be able to file a claim under your manufacturer’s warranty.
Age and Condition of Your Car
The age and condition of your car can also affect whether or not your insurance will cover engine failure.
Older cars are more likely to experience engine problems than newer cars. This is because the engine components wear out over time.
If your car is in poor condition, it may not be worth repairing if the engine fails. In this case, your insurance company may declare your car a total loss and pay you the actual cash value of the car.
What to Do if Your Engine Blows
If your car’s engine blows, it is important to take the following steps:
- Pull over to a safe location.
- Turn off the engine.
- Call your insurance company.
- Have your car towed to a repair shop.
Conclusion
Whether or not your car insurance will cover the cost of engine failure depends on a number of factors, including the type of coverage you have, the cause of the failure, and the age and condition of your car. If you are not sure whether or not your insurance will cover engine failure, you should contact your insurance company for more information.
