No, most standard car insurance policies do not cover engine failure or repairs unless they result directly from an accident or other circumstances covered by the insurance. it’s possible your manufacturer will pay for repairs if your vehicle is relatively new, or you purchased an extended warranty. Some insurance providers could offer vehicle protection plans or mechanical breakdown insurance to provide coverage for mechanical failure. This will be quite similar to a warranty.
When Will Car Insurance Cover Engine Repairs?
Drivers with comprehensive coverage and collision coverage are typically covered for engine repairs as long as the component was damaged in an accident or another event that was out of their control.
Uninsured/underinsured motorist property damage coverage could also pay for engine repairs if you happen to be hit by another driver with little or no insurance. If your engine fails or breaks down due to normal wear and tear over time, most policies will not cover the cost to repair nor replace it.
Some insurance providers could offer a vehicle protection plan and mechanical breakdown insurance (MBI). This will cover most engine repairs that are not included in your warranty. Of course, availability of these coverages will vary based on location.
Will Full Coverage Car Insurance Cover Engine Failure?
“Full coverage” car insurance simply isn’t a thing, as no insurance policy can account for anything and everything that can happen to a vehicle. Some drivers may use the term “full coverage” in order to refer to a policy featuring comprehensive and collision coverage.
If you have comprehensive and collision coverage, your vehicle may be covered if the engine gets damaged in an accident or other event out of your control. Comprehensive or collision do not typically cover a faulty engine due to mechanical failure or wear and tear.
Can You Make A Claim On Car Insurance For Engine Failure?
If your engine was faulty or failing prior to an accident, making a claim to repair this issue could qualify as car insurance fraud. Drivers should only file claims for damaged that resulted from an accident. Always be transparent with your insurance provider to avoid any issues.
Ascot Automotive Specialists In Flagstaff, AZ
Ascot Automotive offers an extensive array of auto repair solutions to address every issue your vehicle may encounter. From routine maintenance to intricate repairs, our adept technicians possess the expertise to keep your vehicle running smoothly. Contact our experienced team today!
