Will car insurance cover serious engine damage not from an accident?

Les

Not from an accident eh? Do you mean serious engine damage from not remembering to check the oil frequently and then running it without oil? I doubt you will convince any insurance company to protect from that!

Any insurance against such a thing would have to have been purchased before the damage and even then, the company will want you to prove legitimate care for the engine was performed on a regular basis.

You will have to be more specific about the damage to be of more help!

Good luck!

CowboyBill

No damage is covered that does not meet the definition of 'loss'. It is written in the policy (a copy of which was given to you). No mechanical failures are covered, only resulting damages may be covered, i.e; a fuel line ruptures and sprays gas onto a hot engine and burns. The failed fuel line is not covered but resulting fire will be covered under comprehensive.

eyedee1969

there used to be mechanical insurance, but it hasnt been around for decades (at least in my state) call your agent and ask if this coverage is on your policy

lioneyes

Never heard of an Insurance Company covering Engine Damage ,
but it is worth a try. File a claim and enlighten us. Good Luck.

llulia

I don't think so, or maybe if it's new.

cajun boy

yes

Silverstang

No, not really.

Spork

No. If it is really not from and accident, then insurance does not cover it.

Normally, this is a matter for your warranty (if your vehicle has one)

twanda_C

If you have full coverage on the car, and you can prove vandalism, like sugar in the gas tank, or some other substance put in by a crazed old boyfriend or girl friend, it will be covered, you have to call the police and file a report and take it to your insurance agent. This will only apply if you have full coverage, minus the deductible. This happened to my daughter, her zealious friends at school poured urine in my car, and the insurance totaled my car, because of the Aids virus., and they would not be responsible.

shiftyklyde

It depends on what kind of coverage you have. If you want, you can make a claim on the car, and if the insurance company denies the claim, then you'll know if it's covered or not. Depending on how serious you are about finding out, consulting a lawyer is probably the best and most accurate way to find out. They can read over a policy and tell you if you're covered or not.

bostonianinmo

No, never.

fire4511

The only way that insurance will cover engine damage is if the damages are caused by a covered event. If the car is stolen and the thieves blow the engine up, it would be covered under the theft claim.

If the car catches fire, and there is damage to the engine, it would be covered under the comprehensive claim (assuming you had that coverage)

If the motor has a mechanical problem, and needs repair, not related to a covered event, insurance will not cover it!!!

mcgraws75

nooooooooooooooooooooooooooooooooooooooo... how dumb can u get.....

oklatom

Still no.

team48

In rare cases. Like your vehicle gets pulled into the water by your boat. Your engine catches fire while making repairs (at somewhere other than a repair shop) and the entire vehicle is a loss (the wiring
and the dash go up)
Most other cases like the motor blows (racing, too much Nitrous,
part failure) they will not cover it.

dodge man

no,,it wont,,no matter what,,the only way it will ever cover engine damage is from a previous accident,,and this is if you have them leave the file open on it,,until your sure its not going to give any trouble,,most insurance companies wont even offer to pay mechanical damage,,if they did ,,it would cost them a fortune,,everyone would be claiming something on it,,good luck with it,,i hope this help,s

jojo

My sons car caught on fire,after the car was towed we found
out the engine was cracked the insurance would not pay for the
engine only the fire related repairs.
We has to pay for the engine work ourselves.
For engine problems you need a warrenty or extended warrenty

Chris

No. Mechanical breakdown, etc. is excluded.

mbrcatz

No.

Scottie Boy

nope

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