If you're wondering whether car insurance will cover a broken head gasket, the answer is yes - but only if the mechanical failure was caused by an external force such as vandalism, flooding, or another hazard covered by your policy. If the head gasket failure was due to simple wear and tear or lack of maintenance, then it won't be covered. Motor repairs are generally not included in insurance policies unless they are the direct result of an accident or other covered event. If your vehicle is still relatively new or you have purchased an extended warranty, the manufacturer may be able to pay for repairs in the event of an engine failure or other mechanical breakdown.
Some insurers may offer coverage called mechanical breakdown insurance that provides coverage for mechanical failures in a similar way to a guarantee. This type of coverage can be useful if you don't have comprehensive coverage and collision coverage, as it will cover engine repairs if the engine is damaged in an accident or due to an event beyond your control. It's important to be aware of the signs of a faulty head gasket, as this can lead to significant engine damage if not fixed promptly. Common signs include white smoke coming from the exhaust, coolant leaking from the engine, and a decrease in engine power.
If you notice any of these symptoms, it's best to take your car to a mechanic as soon as possible. If you don't have comprehensive coverage and collision coverage, you may want to consider purchasing Mechanical Breakdown Insurance (MBI). This type of insurance will cover repair costs for your vehicle after the manufacturer's warranty has expired. It's important to note that MBI won't cover damage caused by simple wear and tear or lack of maintenance.
If you're still unsure about what your vehicle insurance covers and what doesn't cover, such as “Will insurance cover a blown head gasket?” , it's best to contact your insurance agent for more information. They will need to consider the full value of your vehicle before proceeding to pay repair costs. It's also important to take care of your vehicle and ensure that it is properly maintained. Regular maintenance checks can help identify any potential issues before they become serious problems. When taking your car for maintenance, ask the mechanic to inspect the coolant lines, check the color of the liquid, and make sure the coolant is full. By following these tips and being aware of what your car insurance covers, you can ensure that you are prepared in case of a mechanical failure or breakdown.