Can Engine Oil Burning Be Claimed on Insurance?

[Calvin]

Engine oil burning cannot be claimed on insurance. Engine oil burning: The main symptom of engine oil burning is blue smoke coming from the exhaust pipe. If the engine shakes at idle or the engine oil is severely depleted within a routine maintenance cycle (without any leaks), the vehicle is experiencing oil burning. Oil burning refers to engine oil entering the combustion chamber and burning along with the air-fuel mixture. This is primarily caused by damaged piston rings, which lead to cylinder leakage and oil entering the combustion chamber. It is recommended to perform maintenance as soon as possible. Prolonged oil burning not only results in significant oil loss but also increases carbon deposits in the combustion chamber due to the impurities generated from burning oil, thereby affecting engine performance. Engine maintenance: The core of engine maintenance is lubrication. Additionally, routine maintenance tasks include cleaning, inspection, tightening, adjustment, and replenishment. The primary purpose of engine lubrication is to reduce friction between moving parts, minimize wear, and ensure smooth operation. Key tasks include ensuring sufficient lubrication for moving parts and replacing or replenishing lubricants and filters. Cleaning is fundamental to preventing component corrosion, reducing wear, and lowering fuel consumption. Key tasks involve surface care for parts and thorough cleaning of assemblies and components, both internally and externally. Inspection involves checking the machine to determine whether the working condition of parts has changed, whether they have deformed or worn out. Key tasks include examining the surfaces, working conditions, and bolt tightness of various assemblies and components.

[McMargaret]

As someone who often helps friends with car issues, I think this situation needs to be assessed case by case. Burning engine oil is usually caused by internal engine wear, such as mechanical problems like poor piston ring sealing or aging valve stem seals. Compulsory traffic insurance (交强险) definitely doesn't cover such faults, while commercial insurance depends on specific policy terms. Most vehicle damage insurance only covers accidental situations like collisions or natural disasters - normal engine wear falls under the deductible exclusion. However, if you can prove the oil burning resulted from accident aftermath (like damaged oil systems from a previous rear-end collision), submitting maintenance records might lead to a successful claim. From my experience, it's usually better to self-fund minor repairs for oil burning issues - replacing seals only costs a few hundred yuan, which is much simpler than filing an insurance claim.

[VanBriella]

Last time my car was emitting blue smoke and I sent it for repair. The mechanic said it was a typical case of burning oil. After consulting a friend from the insurance company, I learned that engine wear and tear issues are not covered under the insurance policy. Car insurance mainly covers sudden accidents, like being hit or flooded. Burning oil is a gradual fault, caused by worn piston rings or cylinder wall scratches, which require regular maintenance. It's similar to how your phone battery's lifespan decreases over time, and manufacturers won't cover that under warranty either. To file a claim, it would need to meet the requirements of additional clauses in the policy, but these are generally not applicable to average car owners. It's recommended to directly visit a reliable repair shop for an inspection. Replacing a set of piston rings, including labor and materials, would cost around two thousand yuan to fix.

[KatherineAnn]

I know exactly how you feel! Last year, I noticed abnormal oil consumption and found out it was due to leaking valve stem seals. The insurance claims adjuster clearly told me: unless your engine was flooded due to a recent water-related accident, oil burning is considered mechanical wear and tear, which is explicitly listed as an exclusion in commercial auto insurance policies. They've handled too many similar inquiries, and in the end, it's always the car owner who has to pay for major repairs. The most practical approach is to regularly check the oil dipstick and monitor oil consumption every 5,000 kilometers. Prevention is always more important than claims.