Your car's engine is its heart, and if it has gotten old, it
won't run smoothly. The engine might sustain damage if it is not properly
maintained, incurring high repair or replacement costs. One of the most expensive
components of the car is the engine.
While you might already have auto insurance and believe that
your insurer would cover the expense of an engine failure. But will your
insurer provide coverage for engine repair or replacement?
Car engine failure reasons
Failure of the engine can be quite expensive. Therefore, it's
crucial to comprehend the typical reasons why a car's engine could fail. Here
are a few typical causes for car engines to quit working.
Engine overheating
The engine may start heating up if your car's cooling system
is broken or the head gasket has ruptured, increasing the likelihood that the
engine may fail.
Less motor oil
Low engine oil levels can cause the engine to wear out
prematurely, which frequently leads to engine failure.
Water ingress
Water ingress is another frequent cause of engine failure,
particularly in regions with frequent rainfall.
Oil leaks, engine combustion, improper fueling, and failing
to pay attention to the engine oil light are a few other frequent causes of
engine failure.
Does car insurance cover damage to the engine?
Only if you have comprehensive auto insurance does automobile
insurance cover engine damage. Consider a scenario in which you have car
insurance and a traffic accident occurs. The car insurance coverage will pay
for the damages to the vehicle. A car insurance claim can be submitted only when an accident causes engine damage.
On the other hand, a car insurance policy will not cover the
damage if the engine of the vehicle is damaged due to negligence or normal wear
and tear. The car's engine will not be covered in the event of mechanical
failure.
Car insurance does not cover costs that are not directly
related to theft, fire, or accidental damage. However, you can choose an engine
protection add-on if you want to pay for any loss or damage to a car's engine.
What is an engine protection add-on?
Engine protection cover is an optional coverage that you may
add to your basic auto insurance policy for a fee. This add-on offers
protection for a car's engine even if it arises from a non-accident situation.
The engine protection add-on covers the expense of repairing
or replacing an automobile's engine and its components. For instance, when it
rains heavily while you're driving, the automobile is inundated in water, which
damages the engine. In this case, an engine protection add-on will cover the
expense of repairing any waterlogging-related engine damage that occurred to
the vehicle.
When is engine damage covered by car insurance?
Engine damage is covered by auto insurance in the following
situations:
·
A
collision that damages the engine
·
If
the engine stops working as a result of water damage
·
The
engine was vandalized
·
Engine
has caught fire
Engine damage is only covered if you have the necessary
insurance.
When does engine damage not qualify for coverage under a car insurance policy?
In the following situations, there is no insurance coverage
for engine damage:
·
Engine
deterioration over time
·
Engine
failure brought on by a shortage of lubrication
·
Mechanical
failure of the engine
Coverage offered by the engine protection cover add-on
Engine protection add-on insurance offers protection for the
engine in the event of harm to the car's engine, harm to the gearbox,
lubricating oil leakage, harm to hydrostatic lock, harm to the undercarriage,
and labor and consumable costs are also covered.
The engine protection cover add-on does not offer coverage
for harm brought on by a forced start, indirect harm, ordinary wear, and tear,
etc.
Is it worth buying an engine protection cover?
Here are some reasons why buying engine protection insurance
may be a wise decision if you're on the fence about it.
·
Even
without being engaged in an accident, you receive financial protection in the
event that your car is damaged.
·
If
you live in a flood-prone area, the policy is appropriate
because it covers damages caused by water ingress.
·
Adding
engine protection cover will reduce your out-of-pocket costs.
Conclusion
In the event of engine damage not brought on by an accident, a
comprehensive auto insurance policy will not offer coverage. However, you do
have the choice to buy an engine protection cover, which can offer you security in
the event that the engine sustains unanticipated damage.
