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While you might already have car insurance and believe that your insurer would pay for the engine failure expenses. But will your insurance company provide compensation for engine replacement or repair? Let’s find out.
Your car’s engine is its heart, and a deteriorated engine prevents seamless operation. The engine can sustain harm if it isn’t properly maintained, which would be expensive to repair or replace. The vehicle’s engine is one of the most costly components.
While you might already have auto insurance and believe that your insurer would cover the expense of an engine failure. But will your insurer provide compensation for engine repair or replacement?
Causes of car engine failure
Failure of the engine can be very expensive. Therefore, it’s crucial to comprehend the typical reasons why a car’s motor might fail. Here are a few typical causes for car engines to quit functioning.
- Overheating of engine
The engine may start heating up if your car’s cooling system is damaged or the head gasket has burst, increasing the likelihood that the engine will fail.
- Less engine oil
Low motor oil levels can cause the engine to wear out prematurely, which frequently leads to engine failure.
- Water ingression
Water ingress is another frequent cause of engine failure, particularly in regions with frequent rains.
Oil leaks, engine combustion, improper fueling, and failing to pay attention to the engine oil indicator are a few additional frequent causes of engine failure.
Does car insurance cover engine damage?
Engine damage is only covered by vehicle insurance if you have comprehensive coverage. Take into account that you have vehicle insurance and that there is a traffic accident. The automobile insurance contract will provide coverage for the damages to the vehicle. Only engine damage brought on by a collision qualifies for a car insurance claim.
On the other hand, a car insurance policy will not cover the harm if the engine of the vehicle is damaged due to negligence or normal wear and tear. The engine of the vehicle will not be covered in the event of mechanical failure.
Car insurance does not cover costs that are not immediately related to theft, fire, or accidental damage. However, you can choose an engine protection add-on if you want to pay for any loss or harm to a car’s engine.
What is an engine protection add-on?
The engine security cover is an optional coverage that you can add to your basic auto insurance policy for a fee. This add-on offers protection for a car’s motor even if it arises from a non-accident situation.
The engine safety add-on covers the expense of repairing or replacing an automobile’s engine and its components. For instance, when it rains heavily while you’re driving, the vehicle gets submerged in water, which damages the engine. In this case, an engine protection add-on will cover the expense of repairing any waterlogging-related engine harm that occurred to the vehicle.
When is motor damage covered by auto insurance?
Car insurance provides coverage for engine damage in the following scenarios:
- a collision that damages the motor
- If the engine ceases working as a result of water damage
- The engine is in flames
- The motor had been damaged.
When does car insurance not provide coverage for engine damage?
In the following situations, there is no insurance reimbursement for engine damage:
- Engine deterioration over time
- Engine failure brought on by a shortage of oil
- engine mechanical breakdown
Coverage provided under engine protection cover add-on
Engine protection add-on cover offers security for the engine in the event of harm to the car’s engine, harm to the gearbox, lubricant oil leakage, harm to hydrostatic lock, harm to the undercarriage, and labor and consumable expenses are also covered.
The engine protection cover add-on does not offer cover for harm brought on by a forced start, indirect harm, ordinary wear, and tear, etc.
Is it worth purchasing an engine protection cover?
Here are some reasons why buying engine security insurance may be a wise decision if you’re on the fence about it.
- Even without being engaged in an accident, you receive financial protection if your car is damaged.
- If you live in a flood-prone region, the cover is ideal because it covers damages caused by water ingress.
- Adding engine safety will reduce your out-of-pocket costs.
In the event of engine damage not brought on by an accident, a comprehensive auto insurance policy will not offer compensation. However, you do have the choice to buy an engine protection cover, which can offer you security if the engine sustains unanticipated harm.