Will Car Insurance Cover Engine Damage?

Can car insurance cover repairs? Will car insurance cover engine damage? How to make sure my insurance provides this coverage? If these are some questions crossing your mind, you’ve come to the right place. As we all know, the engine is like a car’s beating heart. It is one of the most important parts of a vehicle and even a minor issue regarding the engine can lead to trouble and disruption of your routine. Therefore, keeping an eye out for your engine is as crucial as it seems.

However, as a driver, many unforeseen circumstances are probable. You may damage your engine in an accident or just through wear or tear from regular usage. Nonetheless, what’s important is to make sure your insurer takes care of it. Whether or not your insurance covers engine damage solely depends on the coverage you have chosen and your policy. In this article from Lookinsure mag, we’re going to take a look at the policies you can choose to help you with repair coverage, the things to look out for, and much more.

Frequently Answered Question

Common Causes of Car Engine Failure

Before asking questions like does car insurance pays for repairs, or will insurance covers mechanical repairs, it is better to learn about the factors leading to such damage. For example, engine failure which is one of the most disturbing things that can happen to a driver is usually caused by a couple of factors. Let’s take a look:

Overheating

One of the most common engine issues is overheating, which occurs when the engine’s temperature exceeds its optimal range.

Overheating can be a result of factors such as low coolant levels, the malfunction of the thermostat or radiator, or a damaged water pump.

There are a few symptoms that can let you know when your engine is overheated such as steam coming from the hood, a rising temperature inside the vehicle (on the dashboard), or a burning smell.

Oil Leaks

Oil leaks are another common engine damage. However, if left untouched, this can lead to more serious problems. Worn-out engine components, seals, and degraded gaskets might be causes of oil leakage. A leaking engine can lead to increased friction, overheating, and serious engine damage.

Ignition System Failure

This system is in charge of starting the engine and smooth combustion. Failure in this system can lead to misfiring or difficulty in starting the engine.

Lubrication System Malfunction

One other common cause of engine damage is dirt or prolonged low oil levels in the lubrication system. This can be caused by oil leaks, broken oil pumps, the oil burning too fast, or driving too long in between oil changes.

When Does Car Insurance Cover Engine Damage?

Does insurance cover auto repairs, or will car insurance cover repairs if you are at fault? All these questions depend on the type of coverage you choose and your insurance policies.

Some policies cover repairs such as engine damage while others don’t. The cause of damage and engine failure is also important and plays a big role in what type of coverage can take care of the issue. Let’s take a more careful look:

Collision Accidents

If the engine failure is a direct result of a collision accident, car insurance can cover your engine failure. This is only accurate when there have been no previous damages due to the engine and the issue is solely a cause of the accident.

In case you were at fault, your comprehensive coverage will cover the engine damage if you caused the collision. If another driver was at fault, their insurance should pay for the engine damage.

If you’re hit by a driver with no insurance, your insurance will cover the damage. All in all, if you cause the accident, your engine damage is only taken care of by the insurer if you have a comprehensive car insurance policy.

Non-collision Accidents (Floods, Falling Objects, Fire, Etc.)

In case of a non-collision accident that has not been in your control, your insurance provider might take care of the damage in case you have comprehensive car insurance.

If the damage is due to fire and theft, a third-party fire and theft insurance will also be helpful for you. However, your insurer will ensure that this damage is solely due to a natural accident and that you couldn’t possibly do anything about it.

Mechanical failure

Car insurance typically doesn’t cover engine failure due to non-collision accidents other than the ones mentioned above, mechanical failure, wear-and-tear damages, and lack of maintenance are not included in an insurance company’s policy. Standard auto insurance policies usually cover engine failure that is a direct result of an accident or is due to fire, theft, vandalism, or a natural disaster. you can purchase special add-ons that cover mechanical failure.

Insurance Coverage for Engine Insurance

Will insurance cover car repairs depending on the type of coverage you choose for your car? Therefore, before anything it is important to learn the most common types of insurance coverage here in the UAE:

Comprehensive Car Insurance

Fully comprehensive car insurance is the highest level of coverage that you can get, providing high protection.

This type of insurance policy takes care of any damage done to your vehicle or yourself due to an accident caused by you or someone with no insurance.

It also takes care of third-party liabilities such as self-injury and property damage. This insurance policy takes care of almost any sort of engine damage besides wear-and-tear damages.

Third-party Insurance

Third-party insurance is the lowest mandatory level of coverage available in the UAE. This coverage is essential for any driver and is the lowest protection level. This only covers third-party liabilities due to an accident caused by you, such as self-injury and property damage.

Third-Party Fire and Theft

Third-party fire and theft are the middle ground.  This type of insurance takes care of third-party liabilities as well as vehicle damage due to fire, theft, and vandalism. This insurance policy only takes care of engine damage due to fire and theft.

Collision Insurance

Collision insurance is a type of policy that covers the cost of repairing or replacing your vehicle after an accident regardless of who is at fault.

This includes damage from collisions with other vehicles or objects, rollovers, and damage from uninsured drivers. This insurance policy only takes care of your engine damage if it is caused due to an accident.

Engine Protection Cover

Engine protection cover, also known as the engine guard is an add-on protection that you can ask for in order to add to your policy.

This is an option that can provide extra and special protection to your engine due to a number of causes such as water ingress, oil leakage, physical damage, etc.

So, if you are wondering how to get insurance to cover blown motor, you should ask to add “Engine protection cover” to your insurance policy.

How To File a Claim for Engine Damage

To file a car insurance claim for engine damage, you should take a few steps:

Contact Your Insurer

To raise a claim, you need to contact your insurer first. Most insurance providers have information about filing claims on their websites. This is usually possible through their applications or webpages, or you can directly phone an agent.

Provide Details and Proof

You will have to provide all the necessary details regarding the incident including the time, date, and location, as well as the name and address of anyone involved in the accident. Your insurer will also ask for proof and a report of the accident. In case the police have been involved, police reports are amongst the best types of reports you can give to your insurer.

Review Your Policy

Make sure to check your policy and go over the things your plan covers. The fine print eventually determines the amount and circumstances of compensation for any case.

Wait For Your Insurer’s Notice

After providing all the necessary documents, you can only wait for your provider’s notice to see whether your claim has been successful or not. In case of a successful claim, your insurer will guide you through the next steps.

Compare Comprehensive Insurance Plans on Lookinsure

If you are looking for a comprehensive plan that offers the most engine damage coverage, you need to compare all available insurance providers. Luckily, a platform like Lookinsure is here to gather all the best comprehensive insurance plans and will guide you through the selection process. The prices and coverage extensions are provided from the latest data, helping you make an informed and up-to-date choice.

Conclusion

Does auto insurance cover engine damage? This is a question that almost all drivers ask somewhere along the way. It is best if you look into this topic before choosing or renewing your insurance policy. This is because engine damages are very disruptive in a driver’s life. Damages due to your engine can cause major problems and this can be very unpleasant. Therefore, it is best to take care of it immediately.

So, if you wonder, can car insurance cover repairs? You should know that some insurance policies cover repairs that include engine failure as well. However, this is only dependent on the policy you choose and also the cause of your engine damage. Make sure to pay attention to the policy you choose to cover engine failure.