Orlando Harmon
Whether or not you can claim auto insurance to fix your engine depends on several factors. These include the cause of the engine failure, the type of insurance cover you have, and whether you can prove that the engine failed because of a covered incident rather than wear and tear.
If your engine has failed due to general wear and tear, you will not be able to claim on your insurance as this is not covered. If your engine has failed as a direct result of a collision, fire damage, theft, or vandalism, then you may be able to claim the cost of repairing or replacing the engine.
| Characteristics | Values |
|---|---|
| Engine failure covered by standard car insurance | Only if directly resulting from an accident or other peril covered by the insurance policy |
| Engine failure covered by comprehensive insurance | Yes, if failure is caused by a covered incident, e.g. theft, vandalism, fire, collision with animals |
| Engine failure covered by collision insurance | Yes, if failure is caused by a collision with another car or an inanimate object |
| Engine failure covered by third-party insurance | No, unless the failure is of the other driver's engine and was caused by a collision |
| Engine failure covered by third-party, fire and theft insurance | Only if caused by fire |
| Engine failure covered by gap insurance | No |
| Engine failure covered by uninsured motorist coverage | Yes, if you're hit by someone with little or no insurance |
| Engine failure covered by manufacturer's warranty | Yes, if the vehicle is relatively new |
| Engine failure covered by extended warranty | Yes, if purchased from the car dealership |
| Engine failure covered by mechanical breakdown insurance | Yes |
What You'll Learn
Collision coverage
It's important to note that collision coverage will not cover engine repairs if the engine failure is due to mechanical failure, normal wear and tear, or negligence. If your engine suffers a mechanical failure or breaks down due to regular maintenance issues, collision coverage will not apply.
When filing an insurance claim for engine repairs under collision coverage, you may need to provide documentation showing that the engine damage was directly caused by the accident or covered event. This may include maintenance records or mechanic reports to prove that the engine was in good condition before the incident.
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Comprehensive coverage
It's important to note that comprehensive coverage does not include engine failure due to normal wear and tear or mechanical problems. To be covered, the engine damage must be caused by a covered incident, and you may need to provide additional documentation to prove that the engine was sound before the incident.
Additionally, comprehensive coverage does not include routine maintenance or wear and tear items, such as oil changes, tire rotations, or brake pad replacements.
When filing a claim for engine repairs under comprehensive coverage, you may need to provide documentation showing that the engine damage is the result of a covered incident and not due to negligence, inadequate maintenance, or mechanical failure. It is also important to be transparent with your insurer about the details of the incident to avoid any issues with your claim.
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Uninsured motorist coverage
Underinsured motorist coverage, on the other hand, protects you if you're hit by a driver whose insurance coverage is insufficient to pay for the damages or injuries they caused. This coverage includes underinsured motorist bodily injury (UIMBI) and underinsured motorist property damage (UIMPD). Similar to the uninsured motorist coverage, UIMBI covers medical bills, while UIMPD covers damage to your vehicle.
It's important to note that uninsured and underinsured motorist coverage is mandatory in many states and highly recommended for all drivers. Without this coverage, you could be left paying out of pocket for medical bills and vehicle repairs if you're in an accident with an uninsured or underinsured driver.
In addition to the financial protection it offers, uninsured motorist coverage also provides peace of mind. Knowing that you have this coverage can help reduce the stress and worry associated with being involved in an accident with an uninsured or underinsured driver.
When purchasing auto insurance, be sure to review the specific details of the policy, including the coverages, exclusions, and any applicable state requirements. It's also a good idea to compare quotes from multiple insurance companies to find the best coverage for your needs.
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Engine protection add-on
Engine protection cover is an add-on to your car insurance policy that covers the cost of repairing or replacing your car's engine and its parts. This is especially useful if you live in an area that is prone to flooding, or if you own a high-end car where repair costs could be substantial.
- Water ingression
- Lubricating oil leakage
- Gearbox malfunction
- Hydrostatic lock (when you try and retry to start a wet engine after a flood or water ingression)
Even with a valid engine protection add-on, your claim may be rejected if:
- You try to force start your car when it is submerged under water.
- You try to drive a car with a damaged bonnet, which causes lubricating oil to enter the engine.
- You make more than two claims in a single policy year.
Who Should Buy Engine Protection Add-On Cover?
- People living in a flood-prone area or working near a water body.
- People who own high-end cars, where the cost of repairing a damaged engine could be substantial.
- People who want to avoid all kinds of financial risks associated with engine repairs.
You can purchase the add-on either when you buy a comprehensive car insurance policy or when you renew it. Here are the steps to purchase an engine protection add-on while renewing your policy:
- Visit the official website of the insurer.
- Fill in the policy number to access your account.
- Look for the engine protection cover and add it to your existing plan.
- Proceed to make the payment. You can use your debit/credit card, UPI, or Net banking.
- Once you make the payment, the insurer will send you the updated document of your insurance plan to your registered email ID and home address.
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Mechanical breakdown insurance
Standard car insurance does not typically cover engine repairs unless they are a direct result of an accident or other peril covered by the insurance policy. If you want to protect yourself against engine repairs that are not the result of an accident, you can purchase mechanical breakdown insurance.
When purchasing mechanical breakdown insurance, you will need to choose a deductible, typically ranging from $100 to $500. The insurance will then cover the cost of repairs, minus the deductible. It is important to note that this type of insurance does not cover towing or damage resulting from accidents or collisions.
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