Will My Car Insurance Cover a Blown Engine?
A blown engine is a serious problem that can leave you stranded on the side of the road. But will your car insurance cover the cost of repairs? It depends on several factors, including the cause of the engine failure and the type of insurance you have.
What Causes a Blown Engine?
There are many things that can cause a blown engine, including:
- Lack of oil
- Overheating
- Mechanical failure
- Collision
In most cases, a blown engine is not covered by car insurance. However, there are some exceptions.
When is a Blown Engine Covered by Insurance?
Your car insurance may cover the cost of repairs if the blown engine was caused by:
- An accident
- A covered peril, such as fire or theft
For example, if you get into an accident and the impact causes your engine to blow, your collision insurance will likely cover the cost of repairs. Or, if your car is stolen and the thief damages the engine, your comprehensive insurance may cover the cost of repairs.
What is Mechanical Breakdown Insurance?
If your car insurance does not cover a blown engine, you may want to consider purchasing mechanical breakdown insurance. This type of insurance covers the cost of repairs for major mechanical failures, including blown engines.
Mechanical breakdown insurance is not as common as car insurance, but it can be a valuable investment if you are worried about the cost of major repairs.
How to Avoid a Blown Engine
The best way to avoid a blown engine is to follow the manufacturer’s recommended maintenance schedule. This includes:
- Changing your oil regularly
- Keeping your engine coolant at the proper level
- Getting your car inspected regularly by a qualified mechanic
By following these simple tips, you can help keep your engine running smoothly for years to come.
Conclusion
A blown engine is a serious problem, but it is not always covered by car insurance. If you are worried about the cost of major repairs, you may want to consider purchasing mechanical breakdown insurance. By following the manufacturer’s recommended maintenance schedule, you can help avoid a blown engine and keep your car running smoothly for years to come.
