Does Insurance Cover a Blown Engine?

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It’s a nightmare scenario: you’re driving down the highway, and suddenly your engine starts making strange noises. You pull over to the side of the road and shut off the engine, but when you try to start it again, nothing happens. You’ve blown your engine, and you know it’s going to be expensive to fix. The question is, will your insurance cover it?

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Understanding Your Insurance Policy

The first thing you need to do is review your insurance policy to see what it covers. There are different types of insurance coverage for cars, but the most common are liability, collision, and comprehensive. Liability insurance covers damage caused to other people or their property, while collision insurance covers damage to your own car in an accident. Comprehensive insurance covers damage from things like theft, vandalism, or natural disasters.

Unfortunately, most auto insurance policies do not cover a blown engine as a matter of course. In fact, if you have only liability insurance, you will have no coverage for engine damage at all. Even if you have collision or comprehensive coverage, it’s possible that engine damage won’t be covered.

When Engine Damage Is Covered

There are a few situations in which engine damage may be covered by your insurance policy:

1. Accidents

If your engine is damaged as a result of an accident, such as a collision with another car, a tree, or a guardrail, your collision insurance may cover the cost of repairs. However, this will depend on the specifics of your policy and the circumstances of the accident.

2. Natural Disasters

If your engine is damaged as a result of a natural disaster, such as a flood, hurricane, or earthquake, your comprehensive insurance may cover the cost of repairs. Again, this will depend on the specifics of your policy and the circumstances of the event.

3. Malfunctions

Some insurance policies may cover engine damage that is caused by a malfunction, such as a defective part or a manufacturing error. However, this is relatively rare, and you should review your policy carefully to see if you have this type of coverage.

Frequently Asked Questions (FAQ)

Question
Answer
Does liability insurance cover engine damage?
No, liability insurance only covers damage caused to other people or their property.
Will comprehensive insurance cover engine damage?
It may, depending on the cause of the damage and the specifics of your policy.
What should I do if my engine is damaged?
Contact your insurance company and review your policy to see if you have coverage for the damage.
Can I purchase additional coverage for engine damage?
Yes, some insurance companies offer supplemental coverage for engine damage.

Ultimately, the best way to protect yourself from the cost of engine damage is to have a comprehensive insurance policy that covers a wide range of scenarios. You should review your policy carefully, and if you have any questions, contact your insurance company for more information.

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