Generally, a typical car insurance policy does not include coverage for engine repairs unless they arise directly from an accident or another situation already addressed by the policy. For instance, if the vehicle is fairly new or you have acquired an extended warranty, the manufacturer may take responsibility for engine failure or other mechanical issues. Some insurance providers may offer mechanical breakdown insurance or different vehicle protection plans that cover mechanical failures in a manner akin to a warranty.
Will Car Insurance Cover Engine Repairs?
Drivers are typically covered for engine repairs in the event the damage is ultimately caused by an accident or something outside of your control as long as you have comprehensive coverage and collision coverage. If you happen to be struck by a driver with limited or no insurance, underinsured or uninsured motorist property damage coverage has the ability to cover necessary repairs.
When an engine has failed simply due to wear and tear over time, insurance is unlikely to cover any repair or replacement costs. Some insurers do offer mechanical breakdown insurance or vehicle protection plans designed to cover engine repairs that are not outlined in your warranty. It is important to note, however, that these plans have quite limited availability.
Does Full Coverage Car Insurance Cover Blown Engines?
The term “full coverage” car insurance is essentially a misconception, as no insurance policy can encompass every possible scenario that may affect a vehicle. Individuals often use the phrase “full coverage” to describe a policy that includes both comprehensive and collision coverage.
When you possess comprehensive and collision coverage, your vehicle may be protected in instances where the engine sustains damage from an accident or an unforeseen event. However, if an engine failure arises from mechanical issues or regular wear and tear, such situations will not be included under a comprehensive and collision insurance plan.
Should You Make A Claim For A Blown Engine Following An Accident?
If a vehicle’s engine had pre-existing faults before an accident took place, attempting to claim repairs for that issue could lead to accusations of car insurance fraud.
Drivers should exclusively submit claims for damages that directly stem from the accident. It is essential to maintain transparency with your insurance provider to prevent any potential complications in the future.
Conclusion
Making a claim immediately following an accident is always the best procedure for any driver to adopt. At this time, you will likely have to provide documentation proving the engine was damaged due to the accident or covered peril. For all your engine repair needs, contact the experienced team at Bridwell Automotive Center today!
Bridwell Automotive Offers Tune-ups In Scottsdale, Arizona
Our dedicated team of ASE Master Technicians will replace your A/C condenser in your vehicle quickly and within your budget. You can schedule your A/C condenser replacement with Bridwell Automotive Center by using our contact form. Stop by our Automotive Repair Shop in Scottsdale located at 7171 E Lincoln Dr. Scottsdale, Arizona 85253 or by giving Bridwell Automotive Center a call today at (480) 948-4781.
