Will Car Insurance Cover Engine Failure?

Engine failure can be a significant setback for any car owner. It's not only inconvenient but also can be quite expensive to repair or replace. One question that often arises in such situations is, ""Will my car insurance cover engine failure?"" The answer to this question is not straightforward and depends on various factors, including the type of insurance coverage you have and the cause of the engine failure.

Comprehensive and Collision Coverage

Typically, standard collision and comprehensive insurance policies do not cover engine failure. Collision insurance covers damages to your vehicle caused by a collision with another vehicle or object. On the other hand, comprehensive insurance covers damages caused by incidents other than a collision, such as theft, vandalism, fire, or natural disasters.

However, neither of these insurance types typically covers mechanical failures or breakdowns, including engine failure, unless it's a direct result of a covered incident. For instance, if your engine fails due to a collision or because of damage caused by a fire, your insurance may cover the cost of repairs.

Car Insurance and Mechanical Breakdown

For coverage of mechanical breakdowns, including engine failure, you would need a specific type of insurance known as Mechanical Breakdown Insurance (MBI). MBI is a separate policy that covers many types of mechanical issues that can occur with your vehicle, including engine failure. However, it's important to note that MBI doesn't cover routine maintenance or wear and tear. It's also worth mentioning that not all insurance providers offer MBI, and those that do often require that the vehicle is relatively new or has low mileage.

Engine Failure Due to Negligence

If your engine fails due to negligence or lack of maintenance, it's highly unlikely that your insurance will cover the cost of repairs. Regular maintenance, such as oil changes and tune-ups, are the responsibility of the car owner. Failing to maintain your vehicle properly can lead to engine failure, and in such cases, the cost of repair or replacement will be out of pocket.

Manufacturer's Warranty and Extended Warranties

In some cases, your vehicle's manufacturer's warranty or an extended warranty may cover engine failure. Manufacturer's warranties often cover a wide range of mechanical issues for a certain period or up to a specific mileage. If your vehicle is relatively new and your engine fails, it's worth checking if the manufacturer's warranty covers it.

Extended warranties, also known as vehicle service contracts, provide similar coverage but for a longer period. They can be purchased at the time of buying the vehicle or later. However, like insurance policies, warranties also have their limitations and exclusions, so it's essential to understand what's covered before purchasing.

Conclusion

In conclusion, whether your car insurance will cover engine failure largely depends on the type of coverage you have and the cause of the failure. Regular maintenance and proper care of your vehicle can prevent many engine failures. However, for added peace of mind, consider investing in Mechanical Breakdown Insurance or an extended warranty, especially if your vehicle is no longer covered by the manufacturer's warranty.

Always remember to read and understand your insurance policy or warranty contract thoroughly. If you're unsure about anything, don't hesitate to ask your insurance provider or warranty company for clarification.