Is Engine Failure Covered Under Car Insurance?

19 Apr Is Engine Failure Covered Under Car Insurance?

When you own a car, there are several factors that you need to consider, one of which is engine failure. Engine failure is a serious issue that can lead to costly repairs and inconvenience. In this article, we’ll discuss whether engine failure is covered under car insurance, the causes of engine failure and whether it’s worth purchasing an engine protection cover.

Causes of Car Engine Failure

Car engine failure can be caused by a variety of factors. Some of the most common causes include:

• Lack of maintenance: Failure to perform routine maintenance on your car can lead to engine problems. For instance, failing to change the oil regularly can cause engine components to wear out more quickly, leading to premature failure.
• Overheating: An overheated engine can cause significant damage, including warped or cracked cylinder heads, damaged bearings, and damaged pistons.
• Water damage: If water gets into the engine, it can cause significant damage to the internal components, leading to engine failure.
• Improper lubrication: Lack of proper lubrication can cause the engine to overheat, leading to engine failure.
• Electrical problems: Faulty wiring or other electrical problems can lead to engine failure.

Does Car Insurance Cover Engine Damage?

Whether car insurance covers engine damage depends on the type of insurance policy you have. In general, most car insurance policies do not cover engine damage that is caused by wear and tear or lack of maintenance. However, if the engine failure was caused by a covered peril, such as a collision, fire, or theft, your car insurance policy may cover the damage.

Comprehensive coverage, which is optional coverage, typically covers engine damage caused by non-collision events such as floods, falling objects, and theft. However, you will need to check with your insurance company to confirm what specific events are covered under your policy.

Is It Worth Purchasing an Engine Protection Cover?

Engine protection cover is an optional add-on to your car insurance policy that provides coverage for engine damage. This coverage can be helpful if you are worried about the potential costs of repairing or replacing your engine.

However, it’s important to consider the cost of the coverage and the likelihood of needing it. If you have a newer car with a warranty or a car that is regularly maintained, the likelihood of engine failure may be lower. In such cases, it may not be worth the additional cost of purchasing an engine protection cover.

On the other hand, if you have an older car that is more prone to engine failure or if you drive in extreme conditions, such as in hot climates or on rough roads, an engine protection cover may be a worthwhile investment.

Cover Your Car’s Engine Failure with Kevin S. Dougherty Insurance

Engine failure can be a significant issue for car owners, and whether it’s covered under car insurance depends on the type of policy you have. If you’re interested in learning more about your car insurance options, contact Kevin or Merci today. At Keven S. Dougherty Insurance, we will help create a personalized insurance policy for all your vehicle needs.