Does My Car Insurance Cover Engine Failure?
Engine failure is a major problem that can leave you stranded and facing a hefty repair bill. If you’re wondering whether or not your car insurance covers engine failure, the answer is: it depends.
What is Engine Failure?
Engine failure is a general term used to describe any situation where your car’s engine stops working properly. This can be caused by a variety of factors, including:
- Overheating
- Lack of lubrication
- Mechanical defects
- Electrical problems
Does Car Insurance Cover Engine Failure?
Most car insurance policies do not cover engine failure. This is because engine failure is considered to be a mechanical breakdown, which is not typically covered by insurance. However, there are some exceptions to this rule.
If your car’s engine fails due to a covered peril, such as a collision or theft, your insurance policy may cover the cost of repairs. Additionally, some insurance companies offer extended warranties that may cover engine failure. These warranties are typically sold as an add-on to your car insurance policy.
What to Do If Your Engine Fails
If your car’s engine fails, the first thing you should do is pull over to a safe location. Once you’re safely out of the way of traffic, you should call your insurance company to report the claim. Your insurance company will then send an adjuster to assess the damage and determine if your policy covers the cost of repairs.
If your insurance policy does not cover engine failure, you will be responsible for paying for the repairs yourself. The cost of engine repairs can vary depending on the severity of the damage. However, you can expect to pay several thousand dollars for a major engine repair.
How to Prevent Engine Failure
There are a few things you can do to help prevent engine failure, including:
- Regularly maintain your car
- Check your car’s fluids regularly
- Avoid overheating your car
- Fix any mechanical problems as soon as possible
By following these tips, you can help keep your car’s engine running smoothly and avoid costly repairs.
