One of the most important responsibilities of a car owner is keeping your car’s engine in good condition. However, even with regular maintenance, the engine can fail unexpectedly. If this happens, you must know whether your car insurance will cover engine repairs.
In this blog, we’ll explore the various scenarios in which car insurance can cover engine repairs. We’ll also cover the different types of auto insurance coverage and how they can help you with the coverage of engine repair costs.
When Does Car Insurance Cover Engine Repair?
When it comes to car insurance, you may get coverage for engine repair if you have collision coverage and comprehensive coverage. Collision coverage covers engine repairs if the damage is caused by a covered peril in an accident, while comprehensive coverage covers factors beyond your control like theft and natural elements.
Also, if the engine failure is due to an accident caused by an uninsured or underinsured driver, your uninsured/underinsured motorist property damage coverage may pay for the repair costs. However, for engine repairs due to normal wear and tear or lack of proper maintenance, you may have to bear the expenses from your own pocket.
Does “Full Coverage” Car Insurance Cover Engine Repairs?
When it comes to car insurance, the term “full coverage” is sometimes used to refer to a policy that includes both collision and comprehensive coverage. This type of policy may cover a blown engine if it has been caused by a peril mentioned in the policy.
However, a blown engine when caused by a lack of maintenance or a manufacturing defect, will not be covered by car insurance.
Can I File a Claim on My Car Insurance for a Blown Engine After an Accident?
You can make a claim on your car insurance for a blown engine only if it is due to an accident. For engine issues that were present before the accident, due to a lack of maintenance or a manufacturing defect, you must not file a claim. For false claims, you may be charged with forgery and your insurance coverage can be terminated.
What Must I Do to File a Claim for Engine Repair?
When it comes to making a claim on your car insurance for engine repairs, the process is relatively straightforward. The first step is to contact your insurance provider at the earliest and inform them of the damage.
An adjuster will then assess the damage and determine whether the repairs are covered by your policy. If the repairs are covered, they will assess the cost of the repairs and provide you with an estimate.