Does Insurance Cover Engine Failure?
2 Answers
Generally, car engine failure cannot be claimed through insurance unless it is caused by an accident. Below are the criteria for judgment and additional information: Basis for judgment: The engine is not covered under any car insurance policy. Therefore, insurance companies typically do not provide compensation in cases such as engine damage due to the vehicle's own issues or engine failure due to aging. However, if the engine is damaged due to a traffic accident, the insurance company will cover the claim. If the car is still under warranty and the engine fails, the owner can also apply for compensation at the car dealership. Cases where claims are possible: If the engine damage falls under the coverage of the car damage insurance, the owner can request compensation from the insurance company. In cases where the engine is damaged due to collisions or certain natural disasters, the owner should promptly notify the insurance company. After an on-site assessment by the insurance company's staff, the owner will receive appropriate compensation. However, if the car engine is damaged while the vehicle is unregistered, lacks a temporary license, or the temporary license has expired, the insurance company will not provide compensation.
I've had a similar experience before when my car's engine suddenly failed, and the insurance refused to cover it. Engine problems are usually caused by natural wear and tear or aging. Most auto insurance policies, like standard compulsory traffic insurance and basic vehicle damage insurance, only cover accidental incidents such as collisions, fires, or flooding—external events that cause damage. Only if you've purchased additional special coverage, like flood insurance, might you get compensation for engine damage caused by water submersion. If the engine fails purely on its own, it typically falls under maintenance or repair, meaning you'll have to pay out of pocket. I recommend all car owners regularly review their policy details and pay attention to routine engine maintenance. Simple steps like changing the oil and filters can prevent major issues, saving both money and hassle. Also, make sure to find a reliable repair shop to get it fixed properly the first time—don't delay.
