Engine failure is typically not covered by automobile insurance, even gap insurance, unless it is a direct result of an accident or another occurrence that is covered by your insurance. However, there might be certain coverage choices that might safeguard your finances even in the absence of an accident. For instance, many types of coverage, such as mechanical breakdown insurance, are designed particularly to address scenarios that are not generally covered. Additionally, it’s more probable that a mechanical breakdown will be covered if you recently purchased a car or have purchased an extended warranty, even if your auto insurance does not. The insurance editorial staff at the Bank rate provides all the details you have to comprehend when and how the expense of an engine failure might be compensated.
How does insurance cover blown Engine?
Even if you have full coverage, engine failure is typically not covered by auto insurance. The only exception is if the broken engine or mechanical issue can be directly connected to a claim that is covered.
Two coverage choices are typically included in a full coverage auto insurance policy that will pay to repair your engine if it is damaged as a result of a covered claim. Due to typical wear and tear, these coverage categories would not cover mechanical issues like a blown engine.
Collision
After a collision or accident of any kind, it pays to repair or replace your car.
Comprehensive
Pays for claims such as theft, vandalism, fire, cracked glass or windshields, weather-related events, and if you hit an animal that is not covered by a collision policy.
Does gap insurance cover engine failure?
Engine breakdown is not covered by gap insurance, no. An auto insurance policy may contain gap insurance as an optional coverage. The difference between the book value of your totaled car and the balance you still owe on it will be covered if you have gap insurance. If automobile owners who finance or lease their vehicles are concerned about going “upside down” on their loan or lease if the car is totaled in an accident, they should think about buying gap insurance.
This extremely specialized coverage only kicks in when you owe more than the automobile is worth and your car is totaled in a covered claim. Engine failure, particular depletion, or other mechanical issues with your car are not covered by it.
How to get insurance to cover engine failure?
Sometimes, you can obtain insurance to protect your cash in the end if your car develops an engine problem or another mechanical issue that requires repair. Mostly if you have a warranty, it will cover things like engine failure. Although, if your auto insurance provider suggests it, you might also want to think about getting mechanical breakdown insurance (MBI).
Warranty
Even if you buy a fresh car and have low mileage, you’ll likely be given a car warranty. You may be given one of two different types of warranty coverage:
Bumper-to-bumper warranty
Opposite to what the name might suggest, only the parts between the bumpers are covered, not the bumpers themselves. Most auto parts and systems, as well as those that result in mechanical failure or engine failure, are covered by this insurance. A bumper-to-bumper warranty covers a part or system if the warranty does not exactly state that it is not covered.
Powertrain warranty
The drive axles, engine, and transmission the components that make the automobile move are covered by a powertrain warranty. The powertrain warranty simply defines what it covers, not what it does not, in disparity with the bumper-to-bumper warranty.
For an extra fee, which is often based on mileage or age, whichever occurs first, both warranty options can be extended past the manufacturer’s expiration. For instance, a three-year/30,000-mile guarantee will end when the vehicle achieves the age of three years or 30,000 miles, whichever occurs first.
If my car breakdown will insurance cover it?
Some auto insurance companies offer mechanical breakdown insurance as an optional benefit. MBI is a replacement for an extended warranty and could offer more coverage than the latter.
Engine breakdown is covered under mechanical breakdown insurance. The MBI does not cover routine maintenance or wear-and-tear parts like brakes. Similar to a warranty, mechanical breakdown insurance only offers protection for a set amount of time and is frequently determined by the number of miles on your car.
You might need to compare policies if you’re interested because not all auto insurance providers provide this coverage. The average cost of auto insurance, which includes MBI, varies by provider; the best way to find out how much this policy will cost you is to get in touch with insurance providers who provide it and ask for an estimate.
