One of drivers’ most important questions about car insurance is: does car insurance cover a blown engine? Unfortunately, the answer is more complex than you might think. In this blog post, we’ll look at the ins and outs of car insurance coverage for engine damage and how to prepare for a blown engine.
Ordinary Car Insurance Does Not Cover Engine Damage
Most standard car insurance policies do not cover engine damage or mechanical breakdowns. So, unfortunately, if you have a problem with your engine or transmission, you will have to pay for the repairs out of pocket.
Things like wear and tear, lack of maintenance, or age typically cause engine damage. However, these are not considered accidents, so they are not covered under the standard car insurance policy.
That said, there are some exceptions to this rule. For example, some policies may cover engine damage caused by a collision or an act of nature. You are eligible for coverage if your engine was damaged in a flood or a car accident.
Car Insurance Does Not Cover Mechanical Breakdowns
It’s important to note that car insurance does not cover mechanical breakdowns. This includes worn-out spark plugs, worn-out pistons, and faulty wiring. These problems are typically caused by normal wear and tear, and they are not considered accidents.
So if your engine has a mechanical breakdown, you must pay for the repairs out of pocket. This is why it’s crucial to stay on top of regular maintenance, as it can help prevent these issues from occurring.
Will Insurance Cover a Blown Engine?
The answer to this question depends on the cause of the blown engine. If the engine was damaged by something covered by your car insurance policy, you might be eligible for coverage. For example, if a car accident or natural disaster damages your engine, you can file a claim with your insurance company.
However, if the engine was damaged due to a mechanical breakdown or lack of maintenance, then it will not be covered by your car insurance policy. In this case, you will have to pay for the repairs out of pocket.
Conclusion
In short, car insurance typically does not cover engine damage or mechanical breakdowns. That said, there are some exceptions to this rule. For example, if your engine was damaged by something covered by your car insurance policy, you may be eligible for coverage.
It’s important to remember that regular maintenance is the key to preventing engine damage and mechanical breakdowns. So be sure to have your car regularly serviced to ensure that your engine is running smoothly and that you are not at risk of having a blown engine.
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