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Engine failure can be a costly and frustrating experience for any vehicle owner. Whether due to wear and tear, lack of maintenance, or an unexpected breakdown, dealing with engine trouble can leave you wondering if your auto insurance will cover the repair costs. Understanding what your insurance policy covers and doesn't can help you prepare for any potential out-of-pocket expenses.
Auto insurance protects you financially in case of accidents, theft, and other unforeseen incidents. However, it's important to note that most standard auto insurance policies do not cover mechanical failures, including engine breakdowns. Instead, auto insurance typically covers:
Collision Coverage: This part of your policy covers damage to your vehicle resulting from a collision with another car or object, regardless of fault. However, it does not cover mechanical failures like engine problems unless they directly result from an accident.
Comprehensive Coverage: Comprehensive insurance covers non-collision-related incidents, such as theft, vandalism, natural disasters, or animal collisions. While comprehensive coverage may pay for engine damage caused by specific incidents like flooding or fire, it won't cover engine failure due to normal wear and tear.
Liability Coverage: This coverage is mandatory in most states and pays for damages or injuries you cause to others in an accident. It does not cover repairs to your vehicle, including engine failure.
While standard auto insurance policies generally do not cover engine failure, there are certain scenarios where your insurance might help with engine-related repairs:
Accident-Related Engine Damage: If your engine is damaged as a direct result of an accident, your collision coverage could cover the repair costs. For example, if you're involved in a crash and your engine is damaged due to the impact, your insurance may help pay for the repairs.
Comprehensive Coverage Incidents: If your engine fails due to a covered incident under comprehensive coverage, such as flooding or a fire, your insurance may cover the cost of repairs. However, the cause of the engine failure must be directly related to the incident.
Extended Warranties or Mechanical Breakdown Insurance (MBI): Some auto insurance companies offer optional coverage like mechanical breakdown insurance (MBI) or extended warranties. These plans specifically cover mechanical failures, including engine breakdowns. If you have this type of coverage, your engine repairs may be covered, depending on the terms of your policy.
While insurance may not cover engine failure due to wear and tear, there are steps you can take to prevent costly engine repairs:
Regular Maintenance: Follow your vehicle's maintenance schedule for oil changes, filter replacements, and inspections to keep your engine in good condition.
Address Issues Promptly: If you notice any warning signs like strange noises, leaks, or warning lights, have your vehicle checked by a professional as soon as possible.
Drive Responsibly: Avoid aggressive driving, which can put unnecessary strain on your engine and lead to premature failure.
Engine failure can be a significant financial burden, and it's important to understand that standard auto insurance policies generally do not cover mechanical breakdowns. At East End Insurance Agency, we're here to help you navigate the complexities of auto insurance. If you're unsure about what your policy covers or want additional protection like mechanical breakdown insurance, contact us today to review your options and ensure you have the right coverage for your needs. Call us at 631-765-3811 to get started.
