Engine failure can be a terrible situation for any vehicle owner, even when you cover it with an Insurance policy. Whether you drive a car, motorcycle, or boat, an unexpected engine failure can cause tremendous financial and emotional stress. In such instances, many people wonder if their insurance plans will help them fix their engine.
This article will look into the types of insurance that cover engine failure and what to do when your engine fails and you have it covered in your insurance claims.
What is Engine Protector Cover in Car Insurance?
An engine protector cover is an add-on that protects you from the financial risk associated with the engine of the car. These risks include leakage in lubricating oil, water ingression, hydrostatic lock, physical damages to the gearbox, pistons, connecting rods, etc. It is not included in the basic coverage of an insurance policy
Types of Insurance that Covers Engine Failure
Below are the types of insurance that cover engine failure they are:
Comprehensive auto insurance
Comprehensive auto insurance covers damages to your car caused by situations other than collisions. This could include occurrences like fire, theft, vandalism, and natural disasters. In some situations, full coverage may also include engine failure caused by non-collision incidents, such as a seized engine owing to extreme weather conditions.
Extended warranty or mechanical breakdown insurance
Extended warranties and mechanical breakdown insurance are options for vehicle owners seeking further protection. These insurances are primarily intended to cover the costs of repairing or replacing mechanical components, including the engine after the manufacturer’s warranty has expired.
What to do When your Engine Fails and you have it Covered in your Insurance Policy?
Contact Your Insurance Provider
If your engine fails, the first thing you should do is contact your insurance provider right away. They will walk you through the steps necessary to file a claim and may provide information on the coverage options available under your insurance.
Document the incident
Proper documentation is vital when making an insurance claim. Take photos of the damaged engine, obtain maintenance records, and offer any other evidence that could assist your claim.
How Does Insurance Engine Cover Work?
Even if you have full coverage, most car insurance policies do not cover engine breakdowns. The exception is if the mechanical issue or blown engine is directly related to a covered claim.
An auto insurance policy with full coverage often includes two coverage options that pay to repair your engine if it is damaged as a result of a covered claim. These types of coverage do not cover mechanical issues or a blown engine due to natural wear and tear.
What it covers
- Collision insurance covers the cost of repairing or replacing your vehicle following an accident or collision.
- Comprehensive insurance pays for claims that do not come under collision coverage, such as theft, vandalism, fire, broken windows or windshield, weather events, and if you hit an animal.
Causes of engine failure
Some of the common causes of engine failure include:
Lack of lubrication: The most common cause of engine failure is dirty or low oil, which can be caused by an oil leak, a defective oil pump, excessive oil consumption, or driving too long between oil changes.
What do you do if your engine fails?
If your engine fails and you lose power, it may be good to shift into neutral, activate your emergency flashers, and find a safe location to stop. It can gradually become more difficult to steer, and you may lose brake power boost, so proceed with caution if your engine is failing.
Frequently Asked Questions
Will insurance payout if my car engine fails?
Comprehensive coverage will cover any damage resulting from an accident or incident, such as a collision or other unexpected event. However, if the engine fails due to general wear and tear, this is not something you would be able to claim under insurance of any category.
Does my auto insurance cover engine repairs?
Typically, automobile insurance does not cover engine repairs unless they are directly caused by an accident or another risk covered by the policy. If your car is still relatively new or you purchased an extended warranty, the manufacturer may cover repairs in the event of an engine failure or other mechanical breakdown.
When does auto insurance cover engine repairs?
If you have comprehensive collision coverage, you are typically covered for engine repairs if the engine is destroyed in an accident or by an incident beyond your control, such as a tree limb falling on your vehicle. However, if you are hit by someone who has little or no insurance, your uninsured/underinsured motorist property damage policy may cover engine repairs as well.
If your engine fails mechanically or breaks down due to natural wear and tear, car insurance will generally not cover the cost of repair or replacement.
However, some insurers may provide mechanical breakdown insurance (MBI), which covers generic mechanical failures. However, it is not as widely available as comprehensive, collision, or uninsured motorist coverage.
Conclusion on Does Insurance Cover Engine Failure
The coverage for engine failure depends greatly on the type of insurance you have and the circumstances surrounding the failure. Comprehensive auto insurance often covers engine failure due to accidents, disasters, or vandalism.
However, mechanical breakdowns due to wear and tear are generally not covered by standard auto insurance policies.
Policyholders should carefully check their insurance coverage and consider acquiring additional coverage. Such as mechanical breakdown insurance or an extended warranty, to protect against unexpected engine breakdowns.
In the case of an engine failure, immediate communication with your insurance carrier is critical for determining the extent of your coverage and initiating the claims process.
Finally, being proactive in keeping your vehicle, adhering to regular maintenance schedules, and understanding your insurance policy will help considerably reduce the financial and emotional effects of engine failure.