The majority of standard car insurance policies DO NOT cover engine failure unless the issue was a direct result of an accident or other event covered by the provider. It is quite possible, though, that your manufacturer will help pay for some repairs if the car is newer or you have an extended warranty. Some insurance providers may offer vehicle protection plans or mechanical breakdown insurance for mechanical failure coverage.
Does Car Insurance Cover Engine Repairs?
In general, drivers with comprehensive coverage and collision coverage are covered for engine repairs. This is the case as long as the engine was either damaged in an accident or another event that was out of the driver’s control.
It is possible that uninsured/underinsured motorist property damage coverage could pay for the repairs in the event you are hit by another uninsured driver. However, if the engine simply breaks down and fails over time, most policies will not cover repair or replacement costs.
Some insurance providers may offer a vehicle protection plan and mechanical breakdown insurance in case engine repairs are not included in your warranty. The availability of these coverages, though, vary based on location.
Will Full Coverage Car Insurance Cover Engine Failure?
Simply put, “full coverage” car insurance is not a real thing. No insurance policy will cover drivers for everything that can happen to a car. The term “full coverage” is often thrown around to refer to a policy featuring comprehensive and collision coverage.
If a driver has comprehensive and collision coverage, the car may be covered if the engine is damaged in an accident or other event out of their control. Comprehensive and collision policies do not usually cover a faulty engine, or one worn down over time.
Can Drivers Make A Claim For Engine Failure?
Many providers consider making a claim when your engine was failing prior to an accident as a form of car insurance fraud.
Drivers should only file a claim following an accident that caused engine damage. You should always be transparent with your provider to avoid any potential problems.
Heath’s Auto Service in Prescott, AZ
The team at Heath’s Auto Service in Prescott, AZ would be happy to help with all of your automotive service needs!
At Heath’s Auto Service, we take pride in being your one-stop destination for full-service auto and truck repair in Prescott, AZ. Our team of skilled technicians possesses a wealth of experience and knowledge, allowing us to confidently handle domestic, Asian, and European vehicles with precision and expertise. Contact our team today!