Is the Engine Covered by Insurance?
3 Answers
Engine is covered by insurance. Causes of engine damage: Vehicle issues, collision problems in road traffic accidents, etc. Waterlogging insurance: Waterlogging insurance is a newly derived type of auto insurance, which mainly refers to an additional insurance purchased by the car owner for the engine. It primarily provides compensation for engine damage caused by driving through waterlogged roads or being submerged in water. However, if the car owner forcibly starts the engine after being submerged in water, causing damage, the insurance company will not provide compensation. Conditions: At the time of heavy rain or flood, the insured vehicle is submerged to the exhaust pipe or intake pipe, and the driver continues to start the vehicle or uses inertia to start the vehicle; after heavy rain or flood, the vehicle is started without necessary handling.
When it comes to engine insurance, you need to understand the specific scenarios. Regular bumps and scratches from driving fall under the category of vehicle damage insurance, which the insurance company will cover. However, if the engine fails on its own, like cylinder scoring or burning oil, regular car insurance won't cover it—that's where the manufacturer's warranty comes into play. New cars come with an original engine warranty for the first few years; the exact duration can be found in your maintenance manual. Interestingly, many places now sell extended engine warranties. My buddy bought one last year, saying it gave him peace of mind. But be careful—unauthorized modifications or failure to maintain the engine on schedule might void coverage from both the manufacturer and the insurer. When buying a used car, pay extra attention to the engine's condition, as the original warranty might be significantly reduced after the transfer of ownership.
Engines certainly have protection mechanisms, but that's a separate matter. Sudden accidents causing engine damage are covered by the vehicle damage insurance for repair costs. However, mechanical failures fall under the warranty coverage. My neighbor just went through this last month—his car developed camshaft noise after three and a half years, and the 4S dealership replaced the entire cylinder head assembly for free. Here's a lesser-known fact: many specialized repair shops now offer dedicated engine insurance, paid annually, specifically covering major repair risks. Those who frequently push their cars might consider buying this, especially for turbocharged vehicles or high-mileage older cars. Always keep all maintenance records—they're crucial evidence if issues arise. By the way, hybrid vehicle motors and engines are usually covered under combined warranties, with Tesla's 8-year warranty on the three key electric components being a prime example.
