Does Auto Insurance Cover Engine Failure? Know Before You Pay

When your car’s engine blows, it can feel like a significant financial and logistical headache. Knowing whether your auto insurance will cover the repair or replacement is crucial for managing this unexpected expense. Here, we will explore how auto insurance handles engine failure, the role of gap insurance, and other coverage options that might help.

How Does Insurance Deal with Engine Failure?

Standard auto insurance policies generally do not cover engine failure unless it results directly from a covered incident. Auto insurance is primarily designed to protect you from costs incurred due to accidents, theft, vandalism, or natural disasters. Mechanical breakdowns or wear and tear typically fall outside the scope of a standard policy.

Will Gap Insurance Cover Engine Failure?

Gap insurance is another type of coverage that focuses on the financial disparity between your car’s value and the amount you owe on it. It’s particularly useful if your vehicle is totaled or stolen and you owe more on your loan than the car’s depreciated value. However, gap insurance does not cover engine failures or other mechanical breakdowns; it only comes into play if your car is a total loss under your collision or comprehensive policy.

Is There Any Coverage that Covers Engine Failure?

Mechanical Breakdown Insurance (MBI) is a viable option for drivers concerned about engine failures and other mechanical issues. MBI is similar to an extended warranty from a car manufacturer but can be purchased through your auto insurance company. It covers engine failures and other mechanical problems after the manufacturer’s warranty expires, offering protection for those unexpected repairs.

Get the Suitable Coverage with Pierce Insurance Group

Experiencing engine failure is stressful, but understanding your insurance options can alleviate some of that stress. At Pierce Insurance Group, we offer tailored solutions to meet your auto insurance needs, including options that cover engine failures. Our team is dedicated to helping you understand the ins and outs of your policy options, ensuring you’re protected when it matters most. Don’t wait for a mechanical mishap to disrupt your life—contact us today at Pierce Insurance Group to learn how we can help safeguard your journey.

Frequently Asked Questions

  1. What causes a blown engine?

    A blown engine can result from several issues, including overheating, lack of lubrication, or internal component failure.

  1. Can regular maintenance prevent engine failure?

    Regular maintenance, such as timely oil changes, cooling system checks, and proper fluid levels, can help prevent engine failure.

  1. Does any insurance cover routine engine maintenance?

    Auto insurance does not typically cover routine maintenance or wear and tear; this is the owner’s responsibility.

  1. What should I do if my engine fails while driving?

    Pull over safely, turn off your vehicle to prevent further damage, and call for roadside assistance if possible.

  1. How do I file a claim if my engine damage is covered?

    Contact your insurance provider to report the incident. Provide all necessary documentation and follow their guided claim procedure.


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