Will My Car Insurance Compensate For Engine Failure?

​As a responsible car owner, it's natural to wonder whether your car insurance will come to the rescue in the event of engine failure. Engine troubles can be costly and disruptive, so understanding your insurance coverage is essential. Let's delve into the specifics to clarify what you can expect from your car insurance provider when it comes to engine issues.

Does Car Insurance Cover Engine Repairs?
In most cases, standard car insurance policies do not cover the cost of fixing your engine unless the damage is directly caused by an accident or another risk covered by the policy. If your vehicle is relatively new or you have extended protection, the manufacturer or dealer warranty might cover engine repairs if the engine experiences a malfunction or another component fails. Some insurance companies offer a product known as "mechanical breakdown insurance" (MBI), which serves as a type of warranty for mechanical problems.

When Will Car Insurance Cover Engine Problems?
If you have comprehensive and collision coverage, your insurance should provide coverage for engine repairs if the damage is a result of an accident or an unforeseen event beyond your control. For example, if a tree branch falls on your car, causing engine damage, your comprehensive coverage should kick in. Additionally, if you are involved in an accident with an underinsured or uninsured driver, your uninsured or underinsured driver property damage policy may cover the cost of fixing your engine.

However, it's crucial to note that standard car insurance typically does not cover engine breakdown due to normal wear and tear or technical malfunctions. While some insurers offer mechanical breakdown insurance (MBI) to address general mechanical issues, it is not as commonly included in insurance policies as comprehensive, collision, or uninsured driver coverage.

Is a Blown Engine Covered by Car Insurance?
It's important to dispel the notion of "full coverage" car insurance, as no policy can cover every possible scenario for your vehicle. Some individuals use the term "full coverage" to describe insurance that includes comprehensive and collision coverage, along with any other coverage mandated by their state. If you have both comprehensive and collision insurance, your car may be covered for engine damage resulting from an accident or unforeseen events beyond your control.

However, it's crucial to emphasize that comprehensive and collision coverage will not extend to cover a blown engine caused by technical failure or wear and tear.

Filing a Claim on Your Car Insurance
If your engine sustains damage in an accident or due to a covered event, you can and should file a claim with your insurance company promptly. To initiate the claims process, you'll typically need to:

1. Contact Your Insurance Company: Reach out to your insurance provider as soon as possible after the incident.
   
   
2. Provide Information: Be prepared to provide information about the accident or event, including details of how the engine damage occurred.
   
   
3. Document the Damage: Take photos and gather evidence to support your claim. This may include photographs of the engine damage and any related circumstances.
   
   
4. Cooperate with Claims Adjuster: Your insurance company may assign a claims adjuster to your case. Be cooperative and honest during their investigation, answering questions and providing necessary documentation.
   
   
5. Proof of Covered Event: You may need to demonstrate that the engine damage was a direct result of the accident or covered event, rather than due to negligence, poor maintenance, or mechanical failure.

In conclusion, while standard car insurance policies typically do not cover engine failure resulting from wear and tear or technical problems, they can provide coverage for engine damage caused by accidents or covered events. To ensure you have the right coverage for your specific needs, it's advisable to review your policy and consider additional coverage options if necessary. In the unfortunate event of engine troubles, having a clear understanding of your insurance coverage can provide peace of mind and financial security.

​At Auto Express Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (832) 232-4655. You can also request a free quote by CLICKING HERE.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​