Does Car Insurance Include Engine Failure?
Introduction
Engine failure is a serious and potentially expensive problem that can happen to any vehicle. But does car insurance cover engine failure? The answer is not always straightforward, and it depends on a number of factors, including the type of insurance you have, the cause of the failure, and the age and condition of your vehicle.
What Types of Car Insurance Cover Engine Failure?
There are two main types of car insurance that may cover engine failure: comprehensive coverage and mechanical breakdown insurance.
Comprehensive Coverage
Comprehensive coverage is an optional type of car insurance that covers damage to your vehicle from non-collision events, such as theft, vandalism, and weather damage. In some cases, comprehensive coverage may also cover engine failure. However, there are some exclusions to coverage, and engine failure is not always covered. For example, comprehensive coverage may not cover engine failure if it is caused by a lack of maintenance or if the vehicle is over a certain age or mileage.
Mechanical Breakdown Insurance
Mechanical breakdown insurance is a type of insurance that covers the cost of repairs to your vehicle’s engine and other mechanical components. This type of insurance is typically sold as an add-on to a comprehensive or collision policy. Mechanical breakdown insurance may cover engine failure, but it is important to read the policy carefully to understand the terms and conditions of coverage.
What Causes of Engine Failure Are Covered by Insurance?
The cause of the engine failure will also affect whether or not it is covered by insurance. Some of the most common causes of engine failure include:
- Lack of maintenance
- Overheating
- Oil leaks
- Collisions
- Electrical problems
- Manufacturing defects
If the engine failure is caused by a lack of maintenance, it is unlikely to be covered by insurance. However, if the failure is caused by a covered event, such as a collision or a manufacturing defect, it may be covered.
What to Do If Your Engine Fails
If your engine fails, it is important to take the following steps:
- Pull over to a safe location.
- Turn off the engine.
- Call your insurance company to report the claim.
- Have your vehicle towed to a repair shop.
Your insurance company will investigate the claim and determine whether or not the engine failure is covered. If it is covered, your insurance company will pay for the repairs.
Conclusion
Whether or not car insurance covers engine failure depends on a number of factors, including the type of insurance you have, the cause of the failure, and the age and condition of your vehicle. If you are concerned about engine failure, you should talk to your insurance agent to make sure that you have adequate coverage.
