Typically, a standard car insurance policy will not cover any engine repairs unless they are the direct result of an accident or other circumstance already covered by the policy. For example, if the car is relatively new or you have purchased an extended warranty, the manufacturer might cover engine failure or other mechanical breakdowns. It is possible for some insurers to offer mechanical breakdown insurance or various vehicle protection plans that cover mechanical failures in a similar fashion to a warranty.
When Will Car Insurance Cover Engine Repairs?
Drivers are usually covered for engine repairs if the damage is caused by an accident or something outside of your control if you have comprehensive coverage and collision coverage. Underinsured or uninsured motorist property damage coverage could also cover engine repairs in the event you are struck by a driver with limited or no insurance at all.
Car insurance is not likely to cover repair or replacement costs associated with an engine that has failed due to normal wear and tear. There are some insurers that offer mechanical breakdown insurance or vehicle protection plans. These may cover any engine repairs that are not covered by your warranty. However, these plans are not as common as collision, comprehensive, or uninsured motorist coverage, with availability quite limited by location.
Will Full Cover Car Insurance Cover A Blown Engine?
“Full coverage” car insurance is simply a myth, as no car insurance plan will cover everything single thing that can happen to a car. People may use the “full coverage” term to refer to a policy featuring comprehensive and collision coverage.
If you do have comprehensive and collision coverage, your car may be covered when the engine is damaged due to an accident or event outside of your control. If a blown engine occurs due to mechanical failure or normal wear and tear, it will not be covered by a comprehensive and collision plan.
Can I Make A Claim For A Blown Engine Following An Accident?
If a car’s engine was faulty prior to an accident occurring, making a claim to repair the issue could result in car insurance fraud. Drivers should only file claims for damage that was the direct result of accident. Always be transparent with your insurer in order to avoid any future problems.
Conclusion
If you are involved in an accident and know your car has been damaged, it’s best to make an insurance claim as soon as possible. You may need to provide documentation showing the engine was damaged as part of the accident or covered event. For your engine repair needs, contact the experienced team at University Auto Repair in Flagstaff, AZ today!
University Auto Repair In Flagstaff, AZ
When you need your car fixed, you need it fixed fast, and you need it fixed the right way. At University Auto Repair, we strive to provide the best and highest quality auto repairs in the region. We live here too, and we are dedicated to the safety, security, and convenience of drivers and car owners throughout the Flagstaff area. Contact our team today!
