Does Car Insurance Cover Blown Engine: Unveiling the Truth

Does Car Insurance Cover Blown Engine?

Car insurance is an essential requirement for every vehicle owner. It provides financial protection in case of accidents, damages, or theft. But does car insurance cover a blown engine? Let’s find out.

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Understanding Car Insurance Coverage

Car insurance policies typically consist of different types of coverage, such as liability coverage, collision coverage, comprehensive coverage, and personal injury protection. These coverages help protect you and your vehicle in various situations.

The coverage for a blown engine typically depends on the specific circumstances and the type of insurance coverage you have. In most cases, a standard car insurance policy does not cover a blown engine if it is due to wear and tear or mechanical breakdown.

Signs of a Blown Engine

Before we delve into the car insurance coverage aspect, let’s understand the signs of a blown engine. If your engine experiences any of the following symptoms, it may indicate a blown engine:

  1. Excessive smoke from the exhaust
  2. Decreased engine power or acceleration
  3. Knocking or banging noises from under the hood
  4. Overheating
  5. Engine stalling or not starting at all

If you experience any of these signs, it is crucial to get your vehicle inspected by a qualified mechanic as soon as possible.

When Does Car Insurance Cover a Blown Engine?

In some cases, car insurance might cover a blown engine under specific circumstances. One such circumstance is if the blown engine is a direct result of an accident covered by collision coverage.

Collision coverage typically covers the cost of repairs or replacement if your vehicle is damaged in a collision with another vehicle or object. If the accident leads to engine damage and subsequent failure, the insurance company may cover the costs up to the policy limits.

However, it’s important to note that collision coverage is not a mandatory requirement in all car insurance policies. If you don’t have collision coverage, your car insurance will not cover a blown engine resulting from an accident.

What Car Insurance Does Not Cover

While car insurance may cover a blown engine under certain circumstances, there are several situations where it typically does not provide coverage:

Not Covered by Car Insurance
Normal wear and tear
Mechanical breakdown
Lack of maintenance
Modifications not approved by the insurance company

If your blown engine falls under any of these categories, you will likely have to bear the repair or replacement costs on your own.

Considering Extended Warranty or Mechanical Breakdown Insurance

If you are concerned about potential engine issues and want coverage for mechanical breakdowns, you may want to consider an extended warranty or mechanical breakdown insurance.

An extended warranty is typically offered by the car manufacturer and provides coverage beyond the standard warranty period. This type of warranty usually covers repairs and replacements for specific components, including the engine. However, it is essential to read the terms and conditions carefully as not all engine failures may be covered.

Mechanical breakdown insurance, on the other hand, is a separate insurance policy that specifically covers mechanical failures, including a blown engine. This coverage is often available for older vehicles or vehicles with high mileage, which are more prone to mechanical issues. It is important to understand the coverage limits and exclusions before opting for this type of insurance.

Frequently Asked Questions Of Does Car Insurance Cover Blown Engine: Unveiling The Truth

Does Car Insurance Cover Engine Failure?

Yes, car insurance typically covers engine failure if it is caused by a covered peril such as an accident or mechanical breakdown. However, it might not cover engine failure caused by wear and tear or lack of maintenance.

Can Car Insurance Cover A Blown Engine?

Yes, car insurance can cover a blown engine if the cause is a covered peril such as an accident or mechanical breakdown. It’s important to check your policy for specific details and coverage limits.

Is A Blown Engine Considered An Accident?

A blown engine is not typically considered an accident unless it is caused by a sudden and unexpected event, such as a car crash. Generally, engine failure is seen as a mechanical issue rather than an accident.

What Does Car Insurance Consider Mechanical Breakdown?

Car insurance considers mechanical breakdown as a failure of a covered component due to normal wear and tear or mechanical malfunction. It is important to review your policy to determine what types of mechanical breakdown are covered.


While car insurance does not typically cover a blown engine due to wear and tear or mechanical breakdown, it may provide coverage if the engine damage is a direct result of a covered accident. Understanding your specific car insurance policy and its limitations is crucial for determining whether a blown engine is covered.

If you are concerned about engine issues or want comprehensive coverage for mechanical breakdowns, it is advisable to consider an extended warranty or mechanical breakdown insurance. Consulting with your insurance provider and carefully reviewing the terms and conditions of additional coverage options can help you make an informed decision.

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