Does Car Insurance Cover Engine Repairs? (2024)

FAQs

Does Car Insurance Cover Engine Repairs? ›

Standard car insurance doesn't typically cover engine repairs unless they directly result from an accident or other peril covered by the insurance policy.

Your car insurance will only cover engine failure if it's a result of a covered accident or peril. It will not cover engine failure as a result of lack of maintenance, which is why it's so important to schedule regular maintenance for your car.

An engine protector cover is an add-on that protects you from the financial risk associated with the engine of the car. These risks include leakage in lubricating oil, water ingression, hydrostatic lock, physical damages to gearbox, pistons, connecting rods, etc. It is not included in the basic coverage of the policy.

No, gap insurance doesn't cover mechanical breakdowns, like engine failure or a broken transmission. It only covers you when your car can't be repaired because it was stolen or totaled. Gap insurance pays for the difference between your car's actual cash value and the amount you still owe on your loan or your leasing.

Car insurance doesn't typically cover mechanical issues unless they're related to a covered peril. Covered perils include car accidents, hitting an animal, or an object like a tree branch falling onto your vehicle. Car insurance will cover this type of damage if you carry collision and comprehensive coverage.

As painful as it is, you're legally obligated to make your monthly loan payments to the lender until the loan is paid off. The fact that your car is a total loss doesn't change your loan repayment terms. Your lender still has the right to full repayment of the loan, even though you can no longer drive your car.

You could donate your car with a blown engine, sell your car, fix it, or sell it it for scrap metal. We have experience dealing with this problem. If your vehicle has experienced engine failure, it's natural to find what is your car worth. Your car's motor doesn't need to run for you to get fair market value.

Bigger engines tend to be in higher insurance groups

A bigger engine means your car will be more powerful, which would put it in a higher insurance group. The higher your insurance group, the more expensive your insurance - most of the time.

Engine covers and splash shields are essential parts of your vehicle. In the long run, you might end up spending more time, money and carrying out repairs if you drive around without these components.

Reading Time: 4 minutes. The car engine cover is a part that covers the engine. Some engine covers have the air filter built into it. Car engine covers also improve the engine's appearance, protect against dust and NVH, and insulate the engine.

Does car insurance cover a blown head gasket? ›

Insurance coverage for a car's engine

Whether the crankshaft or gasket blows up, you can't claim unless you have an add-on cover. The engine protection add-on cover allows you to make a blown head gasket insurance claim, along with various other claims related to the repair of the engine.

Mechanical Failure

If your timing belt breaks, your car needs a new transmission or another mechanical failure occurs, your insurance will not cover the repair. The exception is if the failure was caused by a covered peril—for example, a collision that caused a transmission failure.

Comprehensive car insurance coverage may cover events beyond your control: theft, vandalism, hitting an animal, glass breakage, fire, and weather-related issues. If such an event damages your transmission, comprehensive may pay for the damage, minus your car insurance deductible.

If you have collision and comprehensive, then your vehicle may be covered if the engine is damaged in an accident or by an event outside of your control. A blown engine that's the result of a mechanical failure or wear and tear won't be covered by comprehensive or collision coverage.

Full coverage car insurance is more expensive than a liability only policy. Another downside is that your premiums may increase after filing claims after a covered event. You can reduce costs by figuring out how much coverage you actually need.

Engine size and its impact on the cost of car insurance

The larger an engine your car has, the higher a cost your insurance will be.

For instance, vehicles with big engines often have higher speeds than smaller engines. Since drivers driving at higher speeds are more prone to accidents, insurance companies may charge more for cars with greater horsepower.