Does Fully Comp Car Insurance Cover Engine Failure?
What is Fully Comp Car Insurance?
Fully comp car insurance is the most comprehensive type of car insurance you can buy. It covers you for a wide range of risks, including:
- Damage to your car
- Damage to other people’s cars or property
- Injury to you or your passengers
- Legal costs
Does Fully Comp Car Insurance Cover Engine Failure?
The answer to this question is: yes, but only if the engine failure is caused by a covered peril.
Covered perils are events that are covered by your insurance policy. They can include things like:
- Accidents
- Theft
- Vandalism
- Fire
- Natural disasters
If your engine fails due to one of these covered perils, your fully comp car insurance policy will cover the cost of repairing or replacing the engine.
What if the Engine Failure is Not Caused by a Covered Peril?
If your engine fails due to something that is not a covered peril, your fully comp car insurance policy will not cover the cost of repairing or replacing the engine.
For example, if your engine fails due to:
- Lack of maintenance
- Wear and tear
- A manufacturing defect
Your insurance policy will not cover the cost of repairing or replacing the engine.
What Should I Do if My Engine Fails?
If your engine fails, the first thing you should do is contact your insurance company. They will be able to tell you whether or not your policy covers the cost of repairing or replacing the engine.
If your policy does not cover the cost of repairing or replacing the engine, you will need to pay for it yourself.
How Can I Prevent Engine Failure?
There are a few things you can do to help prevent engine failure:
- Get regular oil changes.
- Check your coolant levels regularly.
- Avoid overloading your car.
- Drive in a manner that is easy on your engine.
By following these tips, you can help keep your engine running smoothly and avoid costly repairs.
