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Engine Troubles: Understanding the Scope of Auto Insurance Coverage

does auto insurance cover blown engine

Feb 28, 2024

Auto Insurance

The anticipation of a smooth ride can be abruptly interrupted when faced with engine troubles. As a car owner, understanding how auto insurance deals with engine failure is crucial for navigating the unexpected. Let's explore the intricacies of auto insurance coverage regarding engine troubles, addressing common questions and shedding light on potential solutions.

How Does Insurance Deal with Engine Failure?

Auto insurance primarily covers damage caused by accidents, theft, or natural disasters. Unfortunately, standard auto insurance policies typically do not cover mechani cal failures, including engine failures, due to wear and tear, lack of maintenance, or other non-collision-related issues.

If your engine fails due to these non-covered factors, you may find yourself responsible for the repair or replacement costs. This is where understanding the limitations of your auto insurance policy becomes essential.

Will Gap Insurance Cover Engine Failure?

Gap insurance, or Guaranteed Asset Protection insurance, serves a different purpose. It is designed to cover the "gap" between the actual cash value of your vehicle and the amount you owe on your auto loan or lease in the event of a total loss, such as due to an accident or theft.

While gap insurance doesn't typically cover engine failures, it may become relevant if your engine failure results in a total loss and your primary insurance declares your vehicle as such. In such cases, gap insurance could help bridge the financial gap between what you owe and the car's depreciated value.

Is There Any Coverage That Does Cover Engine Failure?

If you're concerned about engine failure and want coverage for mechanical breakdowns, you may need to explore specialized insurance products known as extended warranty or mechanical breakdown insurance.

  • Extended Warranty:
    Extended warranty, often offered by the vehicle manufacturer or third-party providers, covers specific repairs and replacements after the manufacturer's warranty expires. It's important to carefully review the terms and conditions of extended warranties to understand the extent of coverage.

  • Mechanical Breakdown Insurance:
    Some insurance companies offer mechanical breakdown insurance as an add-on to your auto insurance policy. This coverage can help with the costs of repairing or replacing major components, including the engine, due to mechanical failures. Similar to extended warranties, it's crucial to review the policy details to ensure they align with your needs.

Frequently Asked Questions (FAQs)

  1. Q: Does regular auto insurance cover engine repairs?
    A: Generally, regular auto insurance does not cover engine repairs unless they result from a covered event, such as an accident or other covered perils.

  2. Q: Can I purchase mechanical breakdown insurance separately?
    A: Some insurers offer mechanical breakdown insurance as a standalone policy, while others may include it as an add-on to your existing auto insurance policy.

  3. Q: What factors are considered in determining coverage for engine failure?
    A: The cause of the engine failure is a crucial factor. If it results from a covered event specified in your policy, such as an accident, your auto insurance may provide coverage.

Get a Comprehensive Review of Your Auto Insurance with Us

For a comprehensive review of your auto insurance coverage and to explore options for additional protection against engine failures, consult Kneller Insurance Agency. Our experienced team is dedicated to helping you understand your insurance needs and providing tailored solutions. Don't let engine troubles catch you off guard—secure the right coverage by contacting us today. Call us at 518-392-9311 for further assistance.

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