Will Auto Insurance Cover a Blown Engine?

When it comes to auto insurance coverage, many drivers have questions about what is and isn’t covered under their policies. One common concern is whether a blown engine is something that can be claimed. Understanding the nuances of your auto insurance policy can help you navigate this situation effectively.

What Causes an Engine to Blow?

A blown engine can occur for several reasons, including:

• Lack of Maintenance: Failing to perform regular oil changes, coolant checks, and other maintenance can lead to engine failure.
• Overheating: If your engine overheats due to a malfunctioning cooling system or low coolant levels, it can cause severe damage.
• Oil Leaks: Running an engine with insufficient oil can lead to catastrophic failure.
• Mechanical Failure: Issues such as a broken timing belt or faulty components can also result in a blown engine.

Understanding the cause of the engine failure is crucial because it impacts whether your auto insurance will cover the damage.

When Will Auto Insurance Cover a Blown Engine?

In general, auto insurance policies are designed to cover damages resulting from accidents, theft, vandalism, and certain natural disasters. However, coverage for mechanical failures like a blown engine can be more complex.

1. Comprehensive Coverage: This type of coverage typically protects against non-collision-related incidents such as theft or vandalism. Unfortunately, it does not usually cover mechanical failures unless they are directly caused by an external event (like a tree falling on your car).
2. Collision Coverage: If your blown engine is the result of an accident—such as hitting another vehicle or object—collision coverage may apply. In this case, you would file a claim under your collision coverage to help pay for repairs.
3. Mechanical Breakdown Insurance (MBI): Some insurance companies offer MBI as an optional add-on to standard auto policies. This coverage specifically addresses mechanical failures, including blown engines. If you have this type of coverage, you may be able to file a claim for repairs.

When Will Auto Insurance Not Cover a Blown Engine?

Most standard auto insurance policies will not cover a blown engine if the failure results from:

• Negligence in Maintenance: If it’s determined that the engine blew due to lack of maintenance (e.g., missed oil changes), the insurance company is unlikely to provide coverage.
• Wear and Tear: Regular wear and tear on your vehicle is not covered under standard policies. If your engine fails simply due to age or mileage, you will be responsible for the repairs.
• Manufacturer Defects: If the blown engine is due to a defect in manufacturing, this might fall under warranty claims rather than insurance claims.

Steps to Take After an Engine Blow

If you find yourself facing a blown engine, here are steps you should consider:

1. Assess the Situation: Determine whether the blow was caused by an accident or mechanical failure.
2. Review Your Policy: Check your auto insurance policy to understand what types of coverage you have and if MBI is included.
3. Contact Your Insurance Agent: Discuss your situation with your agent at Fuller Insurance Agency. They can help clarify what is covered under your policy and assist with filing any necessary claims.
4. Get a Professional Diagnosis: Have a certified mechanic evaluate the damage to provide documentation that may be needed for any claims.

Understand Your Auto Insurance Coverage Today

While auto insurance coverage typically does not extend to mechanical failures like blown engines unless specific conditions are met, understanding your policy details is crucial. At Fuller Insurance Agency, we are dedicated to helping our clients navigate their insurance options effectively. Contact us today or call us directly at (800) 640-4238, if you have questions about your auto insurance policy or need assistance with coverage options like Mechanical Breakdown Insurance. Protecting what you own starts with understanding how your insurance works.