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Does full-coverage insurance cover engine failure?
A few weeks ago, my “check engine” light turned on, and yesterday my engine gave up completely. I’ve got full-coverage insurance, but I couldn’t figure out if it will cover my engine repairs. Will my insurance pay for the engine failure?
Samuel Todd · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the issues you’ve been experiencing with your engine. Unfortunately, most types of insurance—even full-coverage insurance—won’t cover engine failure unless you can link the engine damage to a covered claim (like an accident or natural disaster). If the harm to your engine did come from a recent accident, then it should be covered!
Full-coverage insurance normally includes
liability
, comprehensive
, and collision
coverage. Though it doesn’t usually cover engine failure, there are still some protections that will.If you opted for mechanical breakdown insurance through your insurer, they’ll cover the cost of your engine repairs.
Another possibility for payment is a warranty on the car. Almost every manufacturer offers a warranty on the engine—if your breakdown happened within the terms of the warranty, they’ll be responsible for fixing up your engine.
One way that you can find the best coverage at the lowest rates is by using
Jerry
. Jerry is a car insurance
comparison super app that will get you the cheapest prices on insurance within minutes—all you need to do is take 45 seconds to sign up.Plus, as a licensed broker, Jerry will even help you cancel your old policy and get going with your new one. The average Jerry user saves $887 on car insurance!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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