{"id":45834,"date":"2024-07-09T08:29:29","date_gmt":"2024-07-09T12:29:29","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=45834"},"modified":"2025-02-04T10:59:16","modified_gmt":"2025-02-04T15:59:16","slug":"does-car-insurance-cover-engine-failure","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-engine-failure","title":{"rendered":"Does car insurance cover engine failure?"},"content":{"rendered":"\n<p>The engine is the single most important component of a car. When the engine fails, the car can\u2019t get you where you need to go. So does car insurance cover engine failure? Here\u2019s everything you need to know, and some maintenance tips to keep your engine running healthy.<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#does\">Does car insurance cover engine failure?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#common\">Common causes of engine failure<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#filing\">Filing a claim for engine damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"does\"><\/a><h2 style=\"margin-bottom:0px;\">Does car insurance cover engine failure?<\/h2>\n\n\n\n<p>In most cases, car insurance will not cover mechanical damage like engine failure. Your comprehensive and collision coverage can only cover certain perils, depending on the coverage.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\" \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Comprehensive coverage may cover:<\/strong><\/td><td style=\" \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Collision coverage may cover:<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Natural disasters and storms\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting another vehicle<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vandalism\n<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by another vehicle<\/td><\/tr>\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by animals\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting a stationary object<\/td><\/tr><\/table><\/div>\n\n\n\n<p>Your insurance will not cover damage to your engine as a result of wear and tear, manufacturing defects or lack of maintenance. However, if your engine was damaged due to one of the above perils, your insurance can help pay for the damage.<\/p>\n\n\n\n<p>For example, if you never changed the oil and your engine fails as a result, your insurance will not cover any of the damage.<\/p>\n\n\n\n<p>On the other hand, if your engine was damaged in a covered event like a flood, you would be covered by comprehensive coverage if you carry it.<\/p>\n\n\n\n<p>Repairing an engine is a costly and lengthy undertaking. In many cases, it would cost more to repair a car with damage severe enough to destroy the engine than the car was worth.<\/p>\n\n\n\n<p>A manufacturer\u2019s or extended powertrain warranty may cover engine failure. A warranty covers defects in manufacturing, but would not cover damage from lack of maintenance.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"common\"><\/a><h2 style=\"margin-bottom:0px;\">Common causes of engine failure<\/h2>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Lack of Maintenance<\/strong><\/h3>\n\n\n\n<p>Your car\u2019s engine is a complex mechanical system that requires regular maintenance and inspection. Neglecting the engine can lead to all sorts of mechanical issues. Oftentimes, failure to maintain one system causes damage to other systems. Your insurance will not cover damage to your engine from lack of maintenance.<\/p>\n\n\n\n<ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00\"><span style=\"color:#000; display:block;\"><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Ignition<\/strong><\/h3><\/span><\/li><p>Damaged ignition components can quickly cause mechanical damage. Worn spark plugs, coil packs or ignition wires will make your engine run poorly. Prolonged operation can cause excessive wear and lead to further damage.<\/p><\/ul>\n\n\n\n<ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00\"><span style=\"color:#000; display:block;\"><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Improper Lubrication<\/strong><\/h3><\/span><\/li><p>The metal components in your engine require lubrication in the form of engine\/motor oil. Oil forms a thin layer between moving parts of the engine, reducing friction and wear. The oil also helps clean the surfaces of the engine while it\u2019s running. Old or dirty oil can\u2019t properly lubricate your engine, which is why it\u2019s important to change your oil and filter regularly.\n<\/p><\/ul>\n\n\n\n<ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00\"><span style=\"color:#000; display:block;\"><h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Overheating<\/strong><\/h3><\/span><\/li><p>Your car\u2019s cooling system keeps the engine within its proper operating temperature. Damage to the radiator, coolant lines, thermostat or coolant seals can cause your engine to overheat, exacerbating any other mechanical issues you may have.<\/p><\/ul>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Animal Damage<\/strong><\/h3>\n\n\n\n<p>Animals like rodents may nest in engine compartments, and cause damage to components. They can easily chew through and destroy wires, fluid lines and other essential parts of your car. You may not even notice the damage until you find a leak or have a mechanical breakdown on the road. Engine failure as a result of <a href=\"\/resources\/does-car-insurance-cover-rodent-damage\">animal damage is covered<\/a> under comprehensive coverage.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Water Damage<\/strong><\/h3>\n\n\n\n<p>Engines are designed to take in air, not water. If water somehow makes its way into the engine, it can flood and cause damage beyond repair. Never drive through floodwaters, and move your car to higher ground if there\u2019s a flood alert. <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-to-do-if-your-car-floods\">F<\/a><a href=\"\/resources\/what-to-do-if-your-car-floods\">lood damage is also covered<\/a> under comprehensive coverage.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"filing\"><\/a><h2 style=\"margin-bottom:0px;\">Filing a claim for engine damage<\/h2>\n\n\n\n<p>If your engine was damaged in a covered event, don\u2019t wait to file a claim.<\/p>\n\n\n\n<p>We know that filing any kind of car insurance claim can be stressful. Our unique claims services will simplify the process, getting you back on the road in no time.<\/p>\n\n\n\n<ol><li><strong>File Your Claim<\/strong><br \/>Please have your policy number ready. You can file a <a href=\"https:\/\/efnol.plymouthrock.com\/#\/login\">claim online<\/a> or by <a href=\"https:\/\/www.plymouthrock.com\/contact\">contacting us<\/a> or your agent directly.<\/li><li><strong>Assignment and Tracking of the Claim<\/strong><br \/>After you report your claim, you\u2019ll receive a claim number to help track its progress. We\u2019ll also assign you a friendly representative to answer any questions you may have.<\/li><li><strong>Damage Evaluation<\/strong><br \/>If your vehicle has damage and the applicable coverage applies, we offer these convenient options to get you back on the road as soon as possible:<ul><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/carpics-photo-appraisals\">CarPics<sup>SM<\/sup> Photo Appraisals<\/a>:&nbsp;Eliminate the need to schedule a claims inspection and receive your estimate within hours. You may even get paid that same day.*<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/crashbusters\">Crashbusters<sup>\u00ae<\/sup> Mobile Claim Service<\/a>:&nbsp;Have a representative meet you to appraise the damage at a time and place that\u2019s convenient for you, often issuing you a check on the spot.<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/door-to-door-valet-claim-service\">Door to Door Valet Claim Service<sup>\u00ae<\/sup><\/a>:&nbsp;Let us pick up your car and handle the repair process from start to finish. If you have rental coverage, we\u2019ll even coordinate a rental car.<\/li><\/ul><\/li><li><strong>Receive Your Claim Settlement<\/strong><br \/>Based on your situation, Plymouth Rock may pay your claim to the repair shop or we may reimburse you directly. Your claim payment will be based on the terms and coverage in your car insurance policy.<\/li><\/ol>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><\/a><h2 style=\"margin-bottom:0px;\">Conclusion: Does car insurance cover engine failure?<\/h2>\n\n\n\n<p>Your car insurance will only cover engine failure if it\u2019s a result of a covered accident or peril. It will not cover engine failure as a result of lack of maintenance, which is why it\u2019s so important to schedule regular maintenance for your car. By regularly changing your engine oil and keeping your ignition and cooling systems tuned up, you can prolong the life of your engine.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<p style=\"font-size:10px; margin-top:15px;\"><sup>*<\/sup>Certain restrictions apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your engine is the most important component of your car. Learn more about car insurance and if it covers engine failure.<\/p>\n","protected":false},"author":6,"featured_media":45835,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79,83,80,81,82,84],"class_list":["post-45834","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Car Insurance Cover Engine Failure?<\/title>\n<meta name=\"description\" content=\"Your engine is the most important component of your car. 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