Does Car Insurance Cover Engine Damage?

The circumstances of the damage to your engine will determine whether or not your insurance will pay to repair it. In most cases, your insurance will cover the costs of minor damage to your engine as the result of an accident. If the damage is too severe, or if you caused the accident, you might not be covered.

Which Insurance Covers Engine Damage

Basic liability insurance only covers damage to another driver’s vehicle after an accident you cause. It does not cover damages incurred by your own vehicle and it won’t cover the cost of repairing or replacing a damaged engine.

Find the Right Insurance

You will need to repair a damaged engine. Comprehensive coverage will pay to repair the costs of your engine only if the damage is the result of vandalism, flooding or other outside forces. Collision coverage covers damage to your own vehicle after an accident.

The insurance provider will take into account the total damage to the engine when deciding whether or not to replace it. In many instances the repairs or replacement of the engine might exceed the value of the car causing your insurance company to “total” your vehicle. The engine is one of the biggest factors in deciding how much it will take to repair your car.

In most cases, your insurance will cover the costs of minor damage to your engine as the result of an accident.

Consider the age and perceived value of your car when purchasing collision and comprehensive coverage. These types of insurance can come with a high deductible causing you to pay more for overall repairs than you would to simply replace the car with a new one.

How Much Coverage Do You Need?

Insurance isn’t designed to repair damage due to the normal wear and tear of your car. It won’t provide coverage for mechanical failures or damage caused due to lack of maintenance. For instance, your insurance company will deny your claim if they find your engine was damaged due to low oil or failure to replace a worn-out timing belt.

If improper maintenance leads to a collision while driving the car, your insurance may pay for the damage resulting from the accident but won’t pay to repair the engine. That’s why it’s important to perform regular maintenance checks on your vehicle.

Additional Options

Some insurance providers offer what’s known as Mechanical Breakdown Insurance (MBI). MBI is designed to cover the costs of repairs resulting from mechanical issues in your car. It covers a variety of mechanical components from your brakes to your transmission and even your engine.

Many of the major insurance companies now offer MBI and purchasing it can help extend the life of your car’s warranty. Remember to take the total value of your car into account before purchasing mechanical breakdown insurance, otherwise you could end up paying a higher deductible than your car is worth.

Your other option is to purchase an extended warranty from the dealer when you purchase your vehicle. An extended warranty can often cover your mechanical components like the engine for up to 100,000 miles, protecting you in the event of an engine failure.

If you want to discuss insurance policies that help you in the event of damage to your engine, call 855-462-2213 and speak with us today.