If you have a collision accident and a comprehensive accident, your vehicle may be covered if the engine is damaged in an accident or because of an event beyond your control. Comprehensive or collision coverage will not cover an engine that has burst as a result of mechanical failure or wear. Car insurance usually doesn't cover engine failure, even if you have full coverage. The exception is if the mechanical problem or the busted engine can be directly related to a covered claim.
Yes, but with one big caveat, since it depends entirely on the type of policy and the cause of the engine failure in the first place. It's one thing for the explosion to come from a car accident and quite another if it's because you've forgotten to maintain your car. Yes, car insurance covers an engine explosion, but only if it was caused by a covered situation, such as an accident or vandalism. For example, if an accident causes the engine to explode, the policyholder's collision insurance will cover repairs, but not if the damage was due to poor maintenance, negligence, or wear and tear.
It's also worth noting that, under state laws, comprehensive and collision coverage are optional, so be sure to check your coverage details to see if your policy applies to this situation. Engine failure is just one type of mechanical problem that isn't covered by a standard auto insurance policy. The reason for the engine failure and the types of coverage included in your policy will determine whether this type of claim will be approved. In addition, if the damage is minor, it may not be worth filing a claim, as claims often result in increased insurance rates.
If your car's engine breaks down or breaks down while it's under warranty, you might not do badly financially; if your car is out of warranty when the engine breaks down, you'll have to decide if you want to spend the money to repair it or switch to another car. If the engine breaks down after a car accident, your collision coverage can help you pay for the damages, often with no out-of-pocket costs for you. Unless you have insurance against mechanical breakdowns on your policy, you probably won't have coverage if your engine explodes. Generally, car insurance doesn't cover a broken engine as a result of normal wear and tear or a mechanical breakdown.
Since car insurance doesn't cover a bad engine or engine, and the warranty usually expires before the engine breaks down, Edmunds points out that it's a good idea to follow the car manufacturer's maintenance guidelines to keep the vehicle running properly for as long as possible. Popular Mechanics knows that proper car care can certainly help extend the life of your car's engine, but like any other mechanical device, it can break down unexpectedly, despite all your efforts. So, if my motor is broken, will the insurance cover me? Does motor insurance exist? Some insurance companies provide insurance against mechanical breakdowns. If the engine problem wasn't due to a covered situation, you could still be covered if you have mechanical fault insurance (MBI).
If you think your mechanic has damaged your car, you can file a claim against his business liability coverage. This coverage is very specific and only works if your car is covered by a covered claim and you owe more than the car is worth.
