Does Car Insurance Ever Cover a Blown Engine?
A blown engine is a serious problem that can leave you stranded and facing a hefty repair bill. In most cases, car insurance will not cover the cost of repairing or replacing a blown engine. However, there are some exceptions to this rule. Let’s take a closer look at when car insurance may cover a blown engine.
When Car Insurance Covers a Blown Engine
There are a few specific circumstances in which car insurance may cover the cost of repairing or replacing a blown engine. These include:
1. Comprehensive Coverage
Comprehensive coverage is an optional type of car insurance that covers damage to your vehicle from events other than a collision, such as theft, vandalism, or natural disasters. If your car’s engine is damaged in a covered event, such as a flood or a fire, comprehensive coverage may pay for the repairs.
2. Mechanical Breakdown Insurance
Mechanical breakdown insurance is a type of coverage that can be added to your car insurance policy. It provides coverage for the cost of repairing or replacing major mechanical components, such as the engine, transmission, and differential. If your car’s engine fails due to a mechanical defect, mechanical breakdown insurance may cover the cost of the repairs.
When Car Insurance Doesn’t Cover a Blown Engine
In most cases, car insurance will not cover the cost of repairing or replacing a blown engine. This is because a blown engine is typically considered to be a maintenance issue, and maintenance is not covered by car insurance. Some of the most common reasons why car insurance doesn’t cover a blown engine include:
1. Lack of Maintenance
One of the most common reasons why car insurance doesn’t cover a blown engine is lack of maintenance. If you don’t follow the manufacturer’s recommended maintenance schedule, your car’s engine is more likely to fail. This is because regular maintenance helps to identify and fix potential problems before they become major issues.
2. Wear and Tear
Another common reason why car insurance doesn’t cover a blown engine is wear and tear. As your car ages, its engine will naturally wear out. This wear and tear can eventually lead to a blown engine. However, wear and tear is not covered by car insurance.
3. Negligence
If you’re negligent in the care of your car, your car insurance may not cover the cost of repairing or replacing a blown engine. For example, if you continue to drive your car after it starts to overheat, you may void your car insurance policy.
What to Do If Your Engine Blows
If your car’s engine blows, the first thing you should do is pull over to a safe location. Once you’re safe, you should call your insurance company. Your insurance company will be able to tell you whether or not your policy covers the cost of repairing or replacing your engine. If your policy doesn’t cover the cost of the repairs, you’ll need to pay for them out of pocket.
To avoid having your engine blow, it’s important to follow the manufacturer’s recommended maintenance schedule. This will help to identify and fix potential problems before they become major issues.
Conclusion
Car insurance typically doesn’t cover the cost of repairing or replacing a blown engine. However, there are some exceptions to this rule. If you have comprehensive coverage or mechanical breakdown insurance, your policy may cover the cost of the repairs. If you don’t have either of these types of coverage, you’ll need to pay for the repairs out of pocket.
To avoid having your engine blow, it’s important to follow the manufacturer’s recommended maintenance schedule. This will help to identify and fix potential problems before they become major issues.
