Yes, car insurance covers engine explosions, but only if it was caused by a covered scenario, such as an accident or vandalism. For example, if a crash causes the engine to explode, the policyholder's collision insurance will cover repairs, but not if the damage was caused by poor maintenance, negligence, or wear and tear. Generally, car insurance does not cover engine failures, even if you have full coverage. The exception is if the mechanical problem or the burnt engine may be directly related to a covered claim. A typical car insurance policy only covers repairs to your vehicle if they are related to some type of accident.
Will car insurance cover a broken engine in any situation? Regardless of the company, insurance will not cover a broken engine. Motor coverage may be available if you take out mechanical breakdown insurance. As you can see, none of the four common car policies mentioned above specifically cover engine failures. If a covered event, such as an explosion, damages your engine and causes engine failure, your policy may cover damage to the engine, especially if you can link engine failures to the covered event. The same goes for collision coverage.
That is, if your car has engine failures after a collision event, you can file a collision insurance claim for engine failure. Again, to receive compensation, the covered event must be directly responsible for engine failures. More specifically, the adjuster will need to see the repair and maintenance records for your car, so you should always have them handy. If a claim is filed after an accident and it is determined that an impact or collision has damaged the engine, the collision or comprehensive service can pay for it. So what happens when an engine explodes? Signs of a burnt engine include large pools of oil or antifreeze under the engine, puffs of blue-gray smoke from the exhaust, or anything that is normally attached to the valve cover that comes off pressure. Always monitor your fluid levels and stop driving immediately if the car feels different or if you feel that any level is low. Before you hear about claims that you might not know are covered, enter your zip code to start comparing car insurance rates.
If you think a pothole has caused significant damage to your vehicle, you must first file a claim with your insurance company. If you have deficit insurance, you'll pay the difference between the book value of your total car and the amount you still owe for it. Since standard auto insurance policies generally exclude motor coverage, you should purchase supplemental motor insurance coverage. There are four common types of insurance coverage that pay for your car repair and none of them pay for mechanical problems. If you drive a car that uses diesel, contaminants such as sand or water can easily remove the fuel system, including the injection pump.
The claims agent or representative will be happy to discuss your coverage with you and let you know for sure if it would be worth filing a claim. Most car insurance companies don't offer this coverage, so if you're interested in motor coverage, you may need to take a drive. Emergency room visits, physical therapy appointments, or any reference to other care you receive should be kept in a diary or electronic record. She has happily spent many hours helping her clients understand how the insurance marketplace works so that they can find the best auto, home and life insurance products for their needs. Other coverages such as personal injury protection (PIP) and bodily injury liability coverage do not relate at all to repairing your car and therefore will never pay for mechanical failures.