Is Engine Failure Covered by Car Insurance?
What is Engine Failure?
Engine failure is a broad term that can refer to any number of issues that prevent a car’s engine from functioning properly. These issues can range from minor problems, such as a spark plug misfire, to major problems, such as a blown head gasket or a seized piston.
Is Engine Failure Covered by Car Insurance?
The short answer is: it depends. Most comprehensive car insurance policies will cover engine failure, but there are some exceptions. For example, if the engine failure is caused by a lack of maintenance, such as not changing the oil regularly, your insurance company may not cover the cost of repairs.
What Types of Engine Failure are Covered?
Most comprehensive car insurance policies will cover the following types of engine failure:
- Blown head gasket
- Seized piston
- Broken timing belt or chain
- Failed water pump
- Failed oil pump
What Types of Engine Failure are Not Covered?
There are some types of engine failure that are not covered by most comprehensive car insurance policies. These include:
- Engine failure caused by a lack of maintenance
- Engine failure caused by a racing or other competitive driving event
- Engine failure caused by a flood or other natural disaster
How to File a Claim for Engine Failure
If you experience engine failure, you should file a claim with your insurance company as soon as possible. To file a claim, you will need to provide the following information:
- Your name, address, and phone number
- Your policy number
- The date and time of the engine failure
- A description of the engine failure
- An estimate of the cost of repairs
Tips for Avoiding Engine Failure
There are a few things you can do to avoid engine failure, including:
- Change your oil regularly.
- Check your coolant levels regularly.
- Avoid driving in extreme heat or cold.
- Don’t overload your car.
- Have your car serviced regularly by a qualified mechanic.
Conclusion
Engine failure can be a major inconvenience and expense. However, if you have comprehensive car insurance, you may be covered for the cost of repairs. By following the tips above, you can reduce your risk of engine failure and protect your investment.
