Will My Car Insurance Cover Engine Failure?

​If your car's engine fails, everything could come to a grinding halt. It may also be a very costly problem. You might be curious if your insurance should cover engine problems if you are trying to avoid paying for expensive repairs.

Auto insurance is typically used to pay for repairs and medical expenses incurred during an incident. There might be some coverage choices, though, that can safeguard both you and your car.

Is Engine Failure Covered?
Regardless of full coverage, auto insurance typically does not cover engine failure. The only exception is if the engine blowout can be traced to a legitimate claim.

An automobile policy with full coverage may include four popular insurance choices. If your automobile is damaged because of a covered claim, this should pay for the repairs.

Engine failure is not covered by gap insurance. A car insurance policy may contain gap insurance as optional coverage. This specialized coverage becomes active if your car is damaged in a recognized incident.

What Coverage Should Shoulder Engine Failure?
You can buy insurance to protect your finances if the motor in your car breaks down. Most of the time, a warranty should cover issues like engine failure. But you can also think about getting insurance against mechanical failure.

1. Manufacturer's Warranty
   A car warranty should be presented to you when you buy a car. Two different warranty coverage options are available; Powertrain warranty and Bumper to Bumper. For a fee, both warranties can be extended through their manufacturer's expiration dates.
   
   
2. Mechanical Failure Insurance
   Some auto insurance companies offer mechanical breakdown insurance as an optional benefit. Engine failure is covered under mechanical breakdown insurance. This insurance typically offers protection for a set amount of time, much like a warranty.

Conclusion
You may file a car insurance case if your automobile's engine sustains damage due to another accident. They'll guide you into each step in detail so you can submit a claim. It could be necessary to present proof that now the car engine damage was caused by the collision.

At Appletree Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (603) 881-9900. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!