Secured with SHA Encryption. In most cases, engine failure is not covered by your car insurance. Car insurance policies must provide required coverage which can include liability for bodily injury, liability for property damage, personal injury protection, and uninsured motorist coverage. None of those four required car insurance coverages applies to your insured vehicle. So, those four do not cover your insured car and will not pay for engine failure. You can purchase additional insurance coverage for collision, comprehensive, and GAP insurance. Each of these three extra options provides coverage for your listed vehicle.
Gap insurance pays the difference between your car's value and what you owe on it if the vehicle is totaled in a crash or stolen. It's reasonable to conclude that you might be able to make a claim to your gap coverage in cases of a blown engine or other total breakdown.
After all, gap coverage applies when the cost to repair your car is the same or more than what it's worth. And it's very possible for a significant repair to your engine, like a seized or hydrolocked engine, to exceed the total cost of your car. This is especially likely if your vehicle is older and has decreased in value since you bought it.
However, gap insurance only goes into effect if the damage is due to a specific incident, like a crash. You won't be able to make a claim if your car engine simply breaks down, no matter how serious the problem is.
There are two types of coverage under which you can make a claim to repair to your car, even if the repair isn't required as a result of a crash or other damage; however, neither is included as part of a typical auto insurance policy.
The first isn't insurance at all—it's your car's warranty. If your vehicle is relatively new approximately 3—6 years old or neweryou are likely to have a warranty that pays for repair of mechanical issues for a certain amount of time or distance driven. If you opted for an extended warranty, you're especially likely to be covered for a blown engine.
One thing to keep in mind is that many vehicle warranties have two parts:. If your powertrain warranty is broken out separately, it'll be longer than your bumper-to-bumper coverage. It'll include your car's engine, transmission, gears and axles.
The second is a related type of coverage that may cover the cost to repair engine failure or any other mechanical problem: mechanical breakdown coveragealso called MBI or mechanical failure insurance. It functions very similarly to an extended warranty in that it covers any kind of breakdown, such as a blown motor or a problem with your transmission.
If you're concerned about a seized engine or other mechanical failure and are considering extended warranty or MBI coverage, it can be hard to decide which one is right for you.
They're similar, but there are advantages to each. For example, mechanical breakdown insurance is cheaper per month and provides more flexibility when it comes to mechanics. But an extended warranty is available for a broader range of vehicle.
Mechanical failure covered by auto insurance
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Comparison of Mechanical Breakdown Insurance vs car dealer Mechanical Breakdown Insurance Coverage and Extended Warranty. Either way, it's wise to know whether or not your auto insurance policy will help Uninsured motorist property damage coverage can help pay for mechanical. In cases where an engine malfunction or other mechanical failure causes an auto accident, the accident itself will be covered by the insurance but the.
There may be additional problems with a failed engine where coverage could apply. If a problem develops with a car after an accident or comprehensive loss has happened, you would have to prove to the insurance company that the damage to the engine is the direct result of the events causing the loss. A good mechanic can determine what caused the problem, such as one that could develop on a lower portion of your engine after hitting a huge pothole.
If your mechanic can prove that the engine problem started after the accident, then you could get the insurance adjuster to pay for the engine damage.
Does car insurance cover engine failure?
You need to show records to the adjuster of the following:. To convince an adjuster, you need a mechanic to provide proof to the insurance company that engine damage resulted from the accident or comprehensive loss.
When your car insurance policy does not provide coverage for engine failure, there may be an alternative coverage. Some of those coverage options could include:. Automobile manufacturers provide a warranty that covers a vehicle. The length of the warranty is often a combination of months and miles driven.
Some insurance companies offer a rider will cover mechanical breakdowns. Insurance isn't designed to repair damage due to the normal wear and tear of your car. It won't provide coverage for mechanical failures or damage caused due . If your vehicle is protected by GEICO's Mechanical Breakdown Insurance (MBI), you're covered for repairs (excluding maintenance or wear and tear) to all.
It is common today to see a bumper to bumper warranty last three years or 36, mileswhichever comes first. If your engine fails during that bumper to bumper coverage period, and the cause is not one of the listed exclusions, the warranty should cover your engine failure.
Many automobile manufacturers now offer a powertrain warranty that is even longer than the bumper to bumper coverage.
Companies like Chevrolet provide powertrain warranty coverage for five years and 60, miles, whichever comes first. If your engine fails in the first five years or 60, miles, you will have a powertrain warranty coverage through your car manufacturer to cover engine failure.
Many car insurance companies offer special riders, and and the resulting damage from mechanical failure. It is possible to get a type of car insurance that helps pay some kind of standard repairs. It's called mechanical breakdown insurance (MBI), also. Ordinary Car Insurance Does Not Cover Engine Damage Blown engine may be unexpected, but mechanical breakdowns in general are.
Car dealerships sell extended warranties backed by the manufacturer. Consumer Reports states that 55 percent of extended warranty policy owners never used their coverage during the life of the warranty.
Understanding Mechanical Breakdown Claims
Consumer Reports went on to say that the people having the most satisfaction from buying an extended warranty were those people that used the warranty most frequently. If you had purchased an extended warranty, check with your warranty company to determine your coverage for an engine failure. Some insurance companies offer a rider on your car insurance policy that will cover mechanical breakdowns.
There are additional costs added to your car insurance policy for this kind of coverage. Adding this coverage is often restricted to new vehicles.
This warranty can be renewed for up to seven years ormiles, whichever comes first. A third-party warranty is an extended warranty not purchased from the factory.
If you purchased an extended warranty from any third-party warranty company, you might have coverage for your engine failure. When you have an engine failure, you will probably not be able to get coverage through your car insurance company. There are some exceptions, and they would include damage that was the direct result of an accident or comprehensive loss.
Most car insurance policies only cover repair of your vehicle if it's damaged However, an extended warranty or mechanical breakdown insurance may cover you.
You may also have purchased mechanical breakdown insurance from your insurance company.