Car insurance generally doesn't cover engine failures, even if you have full coverage. The exception is if the mechanical problem or the burned engine may be directly related to a covered claim. Motor repairs are generally not covered by car insurance unless they are the direct result of an accident or other hazard covered by the insurance policy. If your vehicle is still relatively new or you have purchased an extended warranty, the manufacturer can pay for repairs in the event of an engine failure or other mechanical breakdown.
Some insurers may offer coverage called mechanical breakdown insurance, which provides coverage for mechanical failures similar to a warranty. Yes, car insurance covers engine explosion, 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. It's also worth noting that comprehensive coverage and collision are optional under state laws, so be sure to review the details of your coverage to see if your policy applies to the situation. 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 your engine, especially if you can link engine failures to the covered event, in this case, an explosion.
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. One of those events discovered is a burned engine. Normally, full coverage insurance does not cover engine failures because standard policies do not include mechanical breakdowns.
If you have the standard package of products with full coverage insurance, you won't have to pay for engine repairs out of pocket. 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. If you think this might be the case where you live, call the state or municipal department responsible for the highway and ask about compensation for pothole damage, or ask your insurance company about this option when you call to file a claim. MBI deductibles tend to be low, and should your car need major mechanical repairs, this type of coverage could save you thousands of dollars. Some people use the term full coverage to refer to a policy with comprehensive and collision coverage, in addition to any other coverage required by their state.
So does my car insurance cover damage caused by potholes? According to the Insurance Information Institute, collision coverage is likely to pay for damage caused by any unforeseen crash with a pothole. Liability insurance provides protection to the insured party should they be legally liable for an injury or any damage to persons or property. Unfortunately, not all companies sell insurance against mechanical breakdowns so you'll have to search to find it. This information is not an insurance policy; does not refer to any specific insurance policy; and does not modify any provisions limitations or exclusions expressly set forth in any insurance policy. To compare quotes from many different car insurance companies enter your zip code on this page to use the free quote tool. Since standard auto insurance policies generally exclude motor coverage you should purchase motor insurance coverage.
The average cost of car insurance including MBI will vary by company and may have different limitations than other companies. Now let's move on to collision coverage which helps repair or replace your car should it be damaged in an accident involving another car or object. From routine car maintenance to custom parts there are many things that full-coverage car insurance doesn't cover.