Does Car Insurance Cover Engine Repairs? (2024)

When does car insurance cover engine repair?

If you have comprehensive coverage and collision coverage, you're generally covered for engine repairs if the engine is damaged in an accident or due to an event outside of your control, such as a tree limb falling on your vehicle. Uninsured/underinsured motorist property damage coverage may also pay for engine repairs if you're hit by someone with little or no insurance. If your engine suffers a mechanical failure or breaks down due to normal wear and tear, car insurance generally won't cover the cost to repair or replace it.

Some insurers, including Progressive, may offer a vehicle protection plan and mechanical breakdown insurance (MBI), which may cover engine repairs not covered by your warranty. These aren't as commonly available as comprehensive, collision, or uninsured motorist coverage, and availability varies by state.

Learn more about car insurance coverages.

Does "full coverage" car insurance cover a blown engine?

There's no such thing as "full coverage" car insurance as no insurance policy can account for everything that could happen to your car. Some people use the term "full coverage" to refer to a policy with comprehensive and collision coverage, plus any other coverages your state requires. If you have collision and comprehensive, then your vehicle may be covered if the engine is damaged in an accident or by an event outside of your control.

A blown engine that's the result of a mechanical failure or wear and tear won't be covered by comprehensive or collision coverage.

Can I make a claim on my car insurance for a blown engine after an accident?

If the engine was faulty before the accident, making a claim to repair the issue after the accident may constitute car insurance fraud. You should only file a claim for damage that was caused by the accident. Be transparent with your insurer about what happened to avoid any problems.

Making a claim for insurance to repair your engine

If you've been involved in an accident or your car has suffered damage from another peril covered by your policy and the engine is damaged, you can make an auto insurance claim by contacting your insurer as soon as possible. They'll walk you through the specific steps to make a claim, including speaking with a claims adjuster who'll collect information and verify the damage. You may need to provide documentation showing that the engine damage is the result of the accident or covered event and not negligence, inadequate maintenance, or mechanical failure.

Does Car Insurance Cover Engine Repairs? (2024)

FAQs

Does Car Insurance Cover Engine Repairs? ›

Standard car insurance doesn't typically cover engine repairs unless they directly result from an accident or other peril covered by the insurance policy.

Can engine problems be claimed on insurance? ›

Your car insurance will only cover engine failure if it's a result of a covered accident or peril. It will not cover engine failure as a result of lack of maintenance, which is why it's so important to schedule regular maintenance for your car.

What is engine protection cover in car insurance? ›

An engine protector cover is an add-on that protects you from the financial risk associated with the engine of the car. These risks include leakage in lubricating oil, water ingression, hydrostatic lock, physical damages to gearbox, pistons, connecting rods, etc. It is not included in the basic coverage of the policy.

Will gap insurance cover a blown engine? ›

No, gap insurance doesn't cover mechanical breakdowns, like engine failure or a broken transmission. It only covers you when your car can't be repaired because it was stolen or totaled. Gap insurance pays for the difference between your car's actual cash value and the amount you still owe on your loan or your leasing.

Does full coverage cover engine work? ›

Car insurance doesn't typically cover mechanical issues unless they're related to a covered peril. Covered perils include car accidents, hitting an animal, or an object like a tree branch falling onto your vehicle. Car insurance will cover this type of damage if you carry collision and comprehensive coverage.

What happens if my engine is blown but I still owe money? ›

As painful as it is, you're legally obligated to make your monthly loan payments to the lender until the loan is paid off. The fact that your car is a total loss doesn't change your loan repayment terms. Your lender still has the right to full repayment of the loan, even though you can no longer drive your car.

What to do with a car with a blown engine? ›

You could donate your car with a blown engine, sell your car, fix it, or sell it it for scrap metal. We have experience dealing with this problem. If your vehicle has experienced engine failure, it's natural to find what is your car worth. Your car's motor doesn't need to run for you to get fair market value.

Does the engine affect insurance? ›

Bigger engines tend to be in higher insurance groups

A bigger engine means your car will be more powerful, which would put it in a higher insurance group. The higher your insurance group, the more expensive your insurance - most of the time.

Is an engine cover worth it? ›

Engine covers and splash shields are essential parts of your vehicle. In the long run, you might end up spending more time, money and carrying out repairs if you drive around without these components.

What is an engine cover for? ›

Reading Time: 4 minutes. The car engine cover is a part that covers the engine. Some engine covers have the air filter built into it. Car engine covers also improve the engine's appearance, protect against dust and NVH, and insulate the engine.

Does car insurance cover a blown head gasket? ›

Insurance coverage for a car's engine

Whether the crankshaft or gasket blows up, you can't claim unless you have an add-on cover. The engine protection add-on cover allows you to make a blown head gasket insurance claim, along with various other claims related to the repair of the engine.

Does insurance cover timing belt failure? ›

Mechanical Failure

If your timing belt breaks, your car needs a new transmission or another mechanical failure occurs, your insurance will not cover the repair. The exception is if the failure was caused by a covered peril—for example, a collision that caused a transmission failure.

Does comprehensive insurance cover transmission failure? ›

Comprehensive car insurance coverage may cover events beyond your control: theft, vandalism, hitting an animal, glass breakage, fire, and weather-related issues. If such an event damages your transmission, comprehensive may pay for the damage, minus your car insurance deductible.

Can I claim engine replacement on insurance? ›

If you have collision and comprehensive, then your vehicle may be covered if the engine is damaged in an accident or by an event outside of your control. A blown engine that's the result of a mechanical failure or wear and tear won't be covered by comprehensive or collision coverage.

What are the disadvantages of having full coverage car insurance? ›

Full coverage car insurance is more expensive than a liability only policy. Another downside is that your premiums may increase after filing claims after a covered event. You can reduce costs by figuring out how much coverage you actually need.

Does engine size matter for insurance? ›

Engine size and its impact on the cost of car insurance

The larger an engine your car has, the higher a cost your insurance will be.

Does engine power affect insurance? ›

For instance, vehicles with big engines often have higher speeds than smaller engines. Since drivers driving at higher speeds are more prone to accidents, insurance companies may charge more for cars with greater horsepower.

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