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UPDATED: Mar 13, 2020
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If you have a blown motor due to a mechanical failure in your car, then this is not something that you should expect your car insurance to cover.
On the other hand, your coverage may pay for the cost of repairing or replacing your engine if your car was damaged in an accident or some other sort of event.
This would be the case for you if you carry optional collision and comprehensive insurance. When shopping for auto insurance, it is a good idea to at least check into whether you can afford these additional coverages because they can be very helpful.
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Damage to Your Car in an Accident
If your car is hit by another driver, you will not have coverage for the cost of repairs for your car if you only have an auto liability policy. This policy is used to meet the state requirements for coverage in the event that you damage someone else’s vehicle.
The way that your own car would be covered in an accident is if you have a collision policy. The great thing about a collision policy is that it covers the cost of repairing your car even if you were at fault for the accident.
Your collision policy will have a certain deductible that you must pay when you file a claim before the insurance company pays for the remaining cost of repairs.
This is a valuable coverage to have, especially if your car is newer or if you have not totally paid off the price of your car under a financing agreement.
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Damage to Your Car from Other Incidents
For all other types of incidents, such as an object falling on your car during a bad storm, comprehensive coverage kicks in.
This optional coverage would cover the cost of repairing your car in any situation other than a typical car accident. Just like a collision policy, you will have to pay some deductible if you end up filing a claim under your comprehensive auto insurance coverage.
Many auto dealers and lenders require this coverage because it protects your car in a wide range of situations.
Dealers and lenders want to make sure that your car will be completely covered in case something happens to it before you are done with a lease agreement or paying off the full amount of your car loan.
Mechanical Breakdown Insurance
In general, auto insurance companies do not provide coverage for your car breaking down from general wear and tear. It typically takes some type of unexpected event to trigger coverage under your auto insurance policy.
However, it may be possible to purchase mechanical breakdown insurance from some auto insurance providers. Not every auto insurance company offers this type of coverage.
It would help to cover the cost of repairing or replacing mechanical parts of your car. However, the cost of this type of coverage may not be worth the potential benefit.
As an alternative to this possible type of coverage, you may want to look into whether purchasing an extended warranty from the auto dealer is an option. If you are buying a used car or buying from a private dealer, this will probably not be an option.
An extended warranty from the auto dealer may cover the engine of your car for a maximum of 100,000 miles.
Your Car Insurance Coverage
Car insurance policies typically do not cover any mechanical failures of your car that are a result of normal wear and tear. However, if your car is involved in an accident and the motor is damaged, then you could have a claim under your collision insurance policy.
Along the same lines, if your car’s motor is damaged because an object fell on your car, such as a large tree, that damaged the mechanical aspects of your car, then you would have a claim under your comprehensive auto insurance coverage.
Both of these policies are optional coverages, which means you need to check your policy to make sure that you have them before filing a claim.