Does My Car Insurance Cover Engine Failure?
Engine failure is a major problem that can leave you stranded and without a car. If you’re lucky, you may be able to get your car towed to a mechanic and repaired. But what if you’re not so lucky? What if your car insurance doesn’t cover engine failure?
In this article, we’ll take a look at the different types of car insurance coverage and whether or not they cover engine failure. We’ll also provide some tips on how to avoid engine failure and protect yourself financially in case it does happen.
What Types of Car Insurance Cover Engine Failure?
There are two main types of car insurance coverage that may cover engine failure: comprehensive coverage and collision coverage.
Comprehensive Coverage
Comprehensive coverage is a type of insurance that covers damage to your car from events that are out of your control, such as theft, vandalism, and natural disasters. Comprehensive coverage may also cover engine failure if it is caused by a covered event, such as a fire or a flood.
Collision Coverage
Collision coverage is a type of insurance that covers damage to your car from a collision with another vehicle or object. Collision coverage may also cover engine failure if it is caused by a collision. However, it’s important to note that collision coverage does not cover engine failure that is caused by a mechanical defect.
What Are the Exclusions to Engine Failure Coverage?
Even if you have comprehensive or collision coverage, there may be some exclusions that apply to engine failure coverage. These exclusions may vary depending on your insurance company and policy, but they may include:
- Engine failure caused by a lack of maintenance
- Engine failure caused by a mechanical defect
- Engine failure caused by a racing or performance event
How to Avoid Engine Failure
The best way to protect yourself from engine failure is to avoid it altogether. Here are some tips on how to keep your engine running smoothly:
- Get regular oil changes.
- Check your fluids regularly, including your oil, coolant, and brake fluid.
- Replace your spark plugs and air filter regularly.
- Avoid driving in extreme conditions, such as extreme heat or cold.
- Don’t overwork your engine by towing heavy loads or driving at high speeds for extended periods of time.
What to Do if Your Engine Fails
If your engine does fail, there are a few things you should do:
- Pull over to a safe location.
- Turn off your engine.
- Call your insurance company.
- Have your car towed to a mechanic.
Conclusion
Engine failure is a serious problem, but it can be covered by car insurance in some cases. If you’re not sure whether or not your car insurance covers engine failure, check with your insurance company. You can also take steps to avoid engine failure by following the tips in this article.
