Does Insurance Cover Engine Failure?

Does Insurance Cover Engine Failure?
Does Car Insurance Cover Engine Failure? Bankrate from


Engine failure is a nightmare for any car owner. It can leave you stranded on the side of the road and facing expensive repair bills. One question that often comes to mind in such situations is whether insurance covers engine failure. In this article, we will explore this topic and provide you with valuable insights.

Understanding Insurance Coverage

When it comes to car insurance, coverage varies depending on the type of policy you have. Most insurance policies offer coverage for accidents, theft, and certain natural disasters. However, engine failure is not always included in these standard policies.

Comprehensive Coverage

If you have comprehensive coverage, it may cover engine failure. Comprehensive coverage is an optional add-on to your standard policy that protects against non-collision incidents, such as fire, vandalism, and falling objects. Some comprehensive policies also extend coverage to engine failure caused by mechanical breakdowns.

Extended Warranty

An extended warranty is another option that car owners can consider to cover engine failure. This warranty is usually offered by the manufacturer or a third-party company and provides coverage for mechanical breakdowns, including engine failure. It is essential to read the terms and conditions of the warranty carefully to understand what is covered.

Factors to Consider

When determining whether insurance covers engine failure, several factors come into play:

Age and Mileage of the Vehicle

Insurance companies often consider the age and mileage of the vehicle when deciding coverage for engine failure. Older vehicles with high mileage are more prone to engine problems, and insurance companies may limit coverage or exclude it altogether.

Regular Maintenance

Regular maintenance plays a crucial role in insurance coverage for engine failure. If the engine failure is a result of poor maintenance or neglect, insurance companies may deny the claim. It is essential to keep records of regular maintenance and follow the manufacturer’s recommended maintenance schedule.


1. Does my standard car insurance cover engine failure?

No, most standard car insurance policies do not cover engine failure. You may need to add comprehensive coverage or consider an extended warranty to get coverage for engine failure.

2. Can I claim engine failure as an accident?

No, engine failure is not considered an accident. It is typically classified as a mechanical breakdown, which is not covered by standard car insurance policies.

3. How can I get coverage for engine failure?

You can get coverage for engine failure by adding comprehensive coverage to your insurance policy or purchasing an extended warranty.

4. What should I do if my engine fails?

If your engine fails, it is essential to pull over to a safe location and contact a towing service. Avoid attempting to restart the engine or driving the vehicle, as it may cause further damage.

5. How can I prevent engine failure?

To prevent engine failure, it is crucial to follow the manufacturer’s recommended maintenance schedule, regularly check and change the oil, and address any warning signs promptly. Regular inspections by a qualified mechanic can also help identify potential issues before they lead to engine failure.

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