Does Auto Insurance Cover Engine Failure?

Does Auto Insurance Cover Engine Failure

It’s no fun dealing with your car’s engine failure or other mechanical issues. It may be costly to repair the problem depending on its nature. Is having full coverage car insurance enough to cover an unexpected blown engine? Unfortunately, most auto insurance policies do not cover engine failure or other mechanical issues. Nevertheless, there are a few instances where engine failure may be covered by insurance.

How Does Insurance Handle Engine Failure?

Even if you have full coverage, most car insurance policies do not cover engine failure. The only exception is if the mechanical issue or blown engine is directly related to a covered claim.

A standard auto insurance policy may include four coverages that will pay to repair your vehicle in the event of an accident or damage caused by a covered claim. None of these policies cover mechanical problems or a blown engine as a result of normal wear and tear.

The following are the coverages and what they cover:

Collision: it pays to repair or replace your vehicle after an accident.

Comprehensive: claims that do not fall under collision coverage, such as theft, vandalism, broken windows or windshields, weather events, or hitting an animal, are covered.

Liability Coverage: when you are at fault, you must pay for the other party’s injuries or property damage.

Uninsured Motorist: it pays for your car repairs if you’re in an accident with a negligent driver who does not have enough liability coverage or does not have insurance.

They all have one thing in common: they only apply if your car was damaged due to an external cause; none of them cover engine damage caused by normal wear and tear. If you’re having engine trouble and can prove that a crash or other specific incident caused the problem, you should be able to get the damage repaired through your insurance. Otherwise, you’ll be personally liable for the bill.

However, if you want to protect your car’s engine from loss or damage, you can purchase the Engine Protection add-on cover.

What is an Engine Protection Cover?

Engine protection is an add-on cover offered by car insurance companies as part of their policy. This add-on covers engine loss or damage that is not the result of an accident.

An engine protection add-on pays for the cost of repairing or replacing a vehicle’s engine and its components. For example, waterlogging has occurred in your area as a result of heavy rains in your city. As a result, your vehicle becomes submerged in water, causing engine damage. In this case, the engine protection add-on will cover the cost of repairing the engine damage caused by waterlogging in your vehicle.

This add-on can be easily added to your existing auto insurance policy for an additional premium. Thus, the engine protection cover provides financial assistance in the event that your car’s engine is damaged.


To summarize, your car insurance company will not provide coverage for engine failure. However, for an additional premium, you can add engine protection cover to your existing policy and obtain coverage for any unforeseen damages that your engine may sustain. What’s more, if you want to buy car insurance with engine protection, Pelican Insurance Agency can help you! We can quickly compare plans from various companies, as well as the costs of add-on coverage, and assist you in selecting the best one for your car.