Will Car Insurance Cover Engine Failure?

What is Engine Failure?

Engine failure is a serious problem that can leave you stranded on the side of the road. It can be caused by a number of things, including:

• Overheating
• Oil leaks
• Timing belt failure
• Electrical problems
• Fuel system problems

Does Car Insurance Cover Engine Failure?

The answer to this question depends on the type of car insurance you have.

Comprehensive Coverage

Comprehensive coverage is an optional type of car insurance that covers damage to your car from non-collision events, such as theft, vandalism, and fire.
If your engine fails due to a covered event, such as a fire, comprehensive coverage will pay to repair or replace your engine.

Collision Coverage

Collision coverage is another optional type of car insurance that covers damage to your car from collisions with other vehicles or objects.
If your engine fails as a result of a collision, collision coverage will pay to repair or replace your engine.

Mechanical Breakdown Insurance (MBI)

MBI is a type of insurance that covers the cost of repairing or replacing your car’s engine if it fails due to a mechanical problem.
MBI is not a standard part of car insurance, so you will need to purchase it separately.

What to Do If Your Engine Fails

If your engine fails, you should take the following steps:

1. Pull over to the side of the road in a safe location.
2. Turn off your engine.
3. Call for roadside assistance.
4. File a claim with your insurance company.

Conclusion

Whether or not car insurance will cover engine failure depends on the type of coverage you have.
Comprehensive coverage and collision coverage will both cover engine failure if it is caused by a covered event.
MBI is a type of insurance that specifically covers the cost of repairing or replacing your car’s engine if it fails due to a mechanical problem.