Will car insurance cover serious engine damage not from an accident?

Answer 1

Not from an accident eh? Do you mean serious engine damage from not remembering to check the oil frequently and then running it without oil? I doubt you will convince any insurance company to protect from that!

Any insurance against such a thing would have to have been purchased before the damage and even then, the company will want you to prove legitimate care for the engine was performed on a regular basis.

You will have to be more specific about the damage to be of more help!

Good luck!

Answer 2

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Answer 3

Engine Car Insurance

Answer 4

Without knowing all of the facts, there is no clear yes or no answer to this question.
There are many things covered by insurance that don't result from an auto accident, but the cause is the key. If it is just lack of maintenance, the answer would likely be no. Much of this will depend on the state where you are insured and the specifics of the policy. Mechanical failure itself is generally not covered. However, there could be a circumstance where the part that failed is not covered, but any resulting damage is. If there is any question, preserve as much evidence as possible and notify your insurance company. They will investigate and let you know if it is covered or not.
Here is an example: A car's water pump fails. The shaft
comes loose which causes the fan to be propelled into
the radiator. The water pump would not be covered. However, the damage that resulted from that failure (fan, radiator, etc.) may be covered under comprehensive coverage.
A complete investigation with as much available evidence as possible will be necessary to determine if it is a covered loss or not. Just changing one small detail could determine if coverage would extend or not. Your insurance company will need to be able to inspect the car and all of the damage (prior to it being repaired, or parts being replaced) in most cases in order to determine if it is covered or not.

Answer 5

The only way that insurance will cover engine damage is if the damages are caused by a covered event. If the car is stolen and the thieves blow the engine up, it would be covered under the theft claim.

If the car catches fire, and there is damage to the engine, it would be covered under the comprehensive claim (assuming you had that coverage)

If the motor has a mechanical problem, and needs repair, not related to a covered event, insurance will not cover it!!!

Answer 6

Never heard of an Insurance Company covering Engine Damage ,
but it is worth a try. File a claim and enlighten us. Good Luck.

Answer 7

It depends on what kind of coverage you have. If you want, you can make a claim on the car, and if the insurance company denies the claim, then you'll know if it's covered or not. Depending on how serious you are about finding out, consulting a lawyer is probably the best and most accurate way to find out. They can read over a policy and tell you if you're covered or not.

Answer 8

No damage is covered that does not meet the definition of 'loss'. It is written in the policy (a copy of which was given to you). No mechanical failures are covered, only resulting damages may be covered, i.e; a fuel line ruptures and sprays gas onto a hot engine and burns. The failed fuel line is not covered but resulting fire will be covered under comprehensive.

Answer 9

If you have full coverage on the car, and you can prove vandalism, like sugar in the gas tank, or some other substance put in by a crazed old boyfriend or girl friend, it will be covered, you have to call the police and file a report and take it to your insurance agent. This will only apply if you have full coverage, minus the deductible. This happened to my daughter, her zealious friends at school poured urine in my car, and the insurance totaled my car, because of the Aids virus., and they would not be responsible.

Answer 10

no,,it wont,,no matter what,,the only way it will ever cover engine damage is from a previous accident,,and this is if you have them leave the file open on it,,until your sure its not going to give any trouble,,most insurance companies wont even offer to pay mechanical damage,,if they did ,,it would cost them a fortune,,everyone would be claiming something on it,,good luck with it,,i hope this help,s