Does Full Coverage Car Insurance Cover Blown Engine?
Full coverage car insurance typically covers damage to your car from accidents, theft, vandalism, and natural disasters. However, it does not cover mechanical breakdowns, such as a blown engine.
What is a blown engine?
A blown engine is a major engine failure that can occur for a variety of reasons, including:
- Overheating
- Lack of oil
- Faulty spark plugs
- Damaged valves
- Broken timing belt
When an engine blows, it can cause extensive damage to the engine and other parts of the car. This can result in a costly repair bill.
Is a blown engine covered by full coverage car insurance?
No, a blown engine is not covered by full coverage car insurance. This is because mechanical breakdowns are not considered to be covered events under a standard full coverage policy.
What can I do if my engine blows?
If your engine blows, you will need to pay for the repairs out of pocket. However, there are a few things you can do to reduce the cost of the repairs:
- Get a second opinion from a mechanic. This can help you to ensure that the repairs are necessary and that you are not being overcharged.
- Shop around for parts. You may be able to find cheaper parts online or at a salvage yard.
- Do some of the work yourself. If you are mechanically inclined, you may be able to save money by doing some of the repairs yourself.
How can I prevent my engine from blowing?
There are a few things you can do to help prevent your engine from blowing, including:
- Keep up with regular maintenance. This includes changing your oil, replacing your spark plugs, and flushing your coolant.
- Avoid overheating your engine. If your car starts to overheat, pull over and let it cool down.
- Check your oil level regularly. If your car is low on oil, it can cause your engine to overheat and blow.
- Drive carefully. Avoid driving over rough roads or at high speeds.
Conclusion
A blown engine is a major repair that can be costly. Full coverage car insurance does not cover blown engines, so you will need to pay for the repairs out of pocket. However, there are a few things you can do to reduce the cost of the repairs and prevent your engine from blowing in the future.
