Does Insurance Cover Engine Cylinder Blowout?
2 Answers
In the case of engine cylinder blowout, according to the insurance contract, there is no compensation because cylinder scoring is considered an indirect loss. The Insurance Law stipulates that insurance only covers the direct losses of the insured. Whether it is classified as a direct or indirect loss depends on the specific circumstances. If it is classified as an indirect loss, there will be no compensation. Additional Information: When considering whether cylinder scoring can be claimed under insurance, car owners should clearly understand that cylinder scoring occurs due to engine wear during normal use. This is not damage caused by sudden incidents, and such cases are obviously not covered under the compensation scope. Auto insurance primarily compensates for damage caused by accidents during vehicle use.
In my driving experience, whether engine seizure is covered by insurance really depends on the specific situation. If the damage is caused by a collision or accident, such as being rear-ended while driving leading to engine overheating and seizure, commercial vehicle damage insurance will usually cover it, as it counts as accident damage. However, if it's due to maintenance issues, like long-term failure to change the oil or insufficient coolant causing seizure, insurance companies typically classify it as an exclusion and won't provide compensation. This is because the insurance policy clearly states that it only covers external events, not internal wear and tear. As an experienced car owner, I recommend preventing engine seizure through regular maintenance and getting comprehensive insurance for peace of mind. Engine seizure repairs are very expensive, and delaying them can affect safety; remember that compulsory traffic insurance doesn't cover vehicle damage, so taking good care of your engine is the most practical approach—don't wait until there's a problem to regret it.
