Will Car Insurance Cover a Blown Engine?

The Answer: It Depends

Whether or not car insurance will cover a blown engine depends on a number of factors, including:

The type of insurance coverage you have
The cause of the engine failure
The age and condition of your vehicle

Types of Insurance Coverage

There are two main types of car insurance coverage that may cover a blown engine:

Collision coverage: This coverage pays for damage to your car that is caused by a collision with another vehicle or object.
Comprehensive coverage: This coverage pays for damage to your car that is caused by non-collision events, such as theft, vandalism, or natural disasters.

If you have collision or comprehensive coverage, your insurance company may cover the cost of repairing or replacing your blown engine. However, there are some exceptions.

Exceptions to Coverage

Your insurance company may not cover the cost of repairing or replacing your blown engine if:

The engine failure was caused by a lack of maintenance.
The engine failure was caused by a pre-existing condition.
Your car is very old or has a high mileage.

What to Do If Your Engine Blows

If your engine blows, the first thing you should do is contact your insurance company. Your insurance company will investigate the cause of the engine failure and determine whether or not your coverage will pay for the repairs.

If your insurance company does not cover the cost of the repairs, you may have to pay for them out of pocket. The cost of repairing or replacing a blown engine can be very expensive, so it is important to have adequate insurance coverage.