Does Car Insurance Cover Engine Repairs or Replacements?

Carrying auto insurance is a legal requirement in most states. However, the type of coverage necessary will vary. The objective is to protect all drivers and passengers as well as the vehicles in the event of accidents, injuries, thefts, or other potential setbacks. This includes wear and tear, which may not apply to engine problems. Before selecting coverage, you should determine if engine expenses are covered and explore your options if they’re not.

Repairs

Mechanical issues and normal wear and tear generally cause a car engine to stop working. The good news is that repairs can often get you back on the road safely. However, current auto insurance plans don’t typically cover engine repairs.

Some mechanics offer payment arrangements for repair services. These plans allow you to get the service up front and make payments over time based on your financial capabilities. However, a payment plan may increase the repair costs and include additional fees.

Replacements

Replacing the engine doesn’t fall under a typical auto insurance policy, especially with minimal coverage. If you have a credit card, consider using this option. Failing to replace the engine could put you and your passengers in danger, leading to more significant problems or fatal situations.

Personal loans are another possibility. Regardless of your choice, if your vehicle has major engine trouble, don’t drive it, regardless of distance.

Exceptions

Although seguro de auto doesn’t typically cover the repair and replacement expenses associated with normal engine wear and tear, there are some exceptions, such as collision or comprehensive coverage. These options fall under full coverage vehicle insurance and apply to various circumstances you must evaluate before selecting a policy.

With collision coverage, if you’re in an at-fault accident, the policy will typically pay for the damages that occur. That includes issues associated with your engine. The accident has to occur due to a collision between your vehicle and another automobile or an object, such as a tree or building. If your car rolls over, collision insurance will generally cover the damage.

When you have comprehensive coverage, it could apply to engine damage if thieves stole the vehicle, vandals damaged it, the engine exploded, or damage occurred because of a fire, an accident with an animal, a storm, flooding, a lightning strike, an earthquake, or falling trees.

For both coverage types, the insurer will confirm the damage has resulted from approved policy reasons. However, if your engine needs repair or replacement because of wear and tear or other noncovered issues, you’ll be responsible for the costs.

Vehicle Warranties

A vehicle warranty is a smart way to ensure you have the financial help to pay for engine repairs and replacements. This includes bumper-to-bumper warranties, powertrain warranties, and extended car warranties. These options apply to most vehicle components, especially parts essential for moving the automobile.

An engine warranty can provide financial assistance for engine repair and replacement due to normal wear and tear, extreme temperatures, poor maintenance, or mechanical defects. However, contacting your insurance company in advance to learn about engine repair coverage, policy types, and other important rules is always recommended.

Drivers who are searching for reliable, affordable auto insurance should reach out to the experienced professionals at Altra Insurance Services. In addition to auto coverage, we offer a variety of insurance policies, including motorcycle, homeowners, and seguro de negocio. San Diego residents can call one of our friendly agents today for a free quote.