Does comprehensive insurance cover engine failure?
Asked by: Ms. Naomi Schiller Sr. | Last update: August 30, 2025Score: 4.3/5 (54 votes)
Does insurance cover if your engine blows?
Unless you have optional mechanical breakdown insurance on your policy, you will likely not have coverage if your engine blows up due to mechanical failure.
Is mechanical failure covered by comprehensive insurance?
Car insurance doesn't typically cover mechanical issues unless they're related to a covered peril. Covered perils include car accidents, hitting an animal, or an object like a tree branch falling onto your vehicle. Car insurance will cover this type of damage if you carry collision and comprehensive coverage.
What happens if the engine blows on a financed car?
Regardless of the shape of the vehicle, you still owe the finance company money and are obligated to make payments or else they can repossess the vehicle and get a deficiency judgment against you for the difference between what the vehicle sells for at auction (with a blow engine) and the balance of your loan.
What to do if your car engine fails?
When your engine fails, you can either fix it, replace it, or get a different vehicle. Replacing it involves finding a used engine from a wrecked car and swapping it out. This is often the cheapest solution if your engine is totally destroyed (as when a connecting rod is thrown through the block).
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Can a car be totaled due to engine failure?
Engine or Transmission Damage
The engine and transmission are some of the costliest components to replace on a vehicle, which can result in a totaled designation.
Is it worth fixing a blown engine?
Blown Engines
Your engine is a network of connected parts and systems. When an engine faces severe damage, it can quickly spread from one component to the next. Repairing your engine at this stage is often not an option. Instead, you will need to explore your replacement options—for your engine or your vehicle.
Can I claim engine failure on my insurance?
For example, if the engine fails as a result of damage caused in a collision, then your policy should cover you. But if the engine fails due to lack of maintenance, then you probably will not be able to claim for repairing or replacing it. Always check your policy to see exactly what you're covered for.
Can I trade-in a financed car with a bad engine?
Your dealership will need to do an evaluation of your car to offer you an accurate trade-in value, but the general rule of thumb is almost any kind of car dealership will trade-in any kind of vehicle as long as it is driveable. If they can't fix it and sell it on their lot, chances are they know another lot that will.
How to pay for engine replacement?
Personal Loans: Unsecured personal loans can be used to pay for the cost of repairing blown engines and other financial issues. Qualifying for a personal loan can be difficult if you do not have a strong credit history. Car owners with subprime scores may need to consider pursuing other financing options.
How to get insurance to pay for car repair?
- Call the police. If the damage to your car is a result of an accident, theft, or vandalism, call the police and have them file a report.
- Take pictures. ...
- File your claim. ...
- Assignment and tracking of the claim. ...
- Damage evaluation. ...
- Receive your claim settlement.
Will gap insurance cover a blown engine?
GAP insurance does not apply in the event of engine failure, mechanical malfunctions, owner death, or in cases where extended warranty coverage conflicts.
Does State Farm cover blown engines?
State Farm does not offer mechanical breakdown insurance. Mechanical breakdown insurance (MBI) is a specialty type of car insurance that covers repairs to major vehicle systems that are not related to routine maintenance, wear and tear, or an accident. You can compare quotes from some of the best MBI companies below.
How much can you get for a car with a blown engine?
The value of a vehicle with engine problems depends on numerous factors including the year, make, model, mileage, condition, location, and more. If your engine blows up on you and you want to sell it, we can pay anywhere from $500 to $10,000 or more depending on what kind of car you have.
Can I use my insurance to fix my engine?
Does car insurance cover engine failure? No. Even if you have “full coverage” with Comprehensive and Collision, your car insurance won't pay for engine failure not caused by a covered claim. For this type of coverage you'll need a warranty on your vehicle or a specific car repair insurance policy.
What is a fully blown engine?
“Blown” engine is a pretty loose term. I take it to mean any time an internal engine component is damaged or worn out and necessitates a complete engine rebuild or replacement.
What happens if my engine blew and I still owe money?
As painful as it is, you're legally obligated to make your monthly loan payments to the lender until the loan is paid off. The fact that your car is a total loss doesn't change your loan repayment terms. Your lender still has the right to full repayment of the loan, even though you can no longer drive your car.
What is considered a poor condition for a car?
Condition 5 – Poor:
Interior: Seats, carpet and dash are damaged and extremely dirty. Tires: Need to be replaced, hardly any wear remaining. Mechanical: Engine – In need of major repair and/or replacement. Transmission – Needs major repair and/or replacement.
What to do with a car with engine failure?
- Bring it in to a trust mechanic to see the extent of the damage. If it is worth it to fix it, pay to repair your engine.
- If your vehicle is totaled from a blown engine, research how to get the most value from it. Consider donating it or selling it.
- We've done the research for you!
Will comprehensive cover a blown engine?
If you have collision and comprehensive, then your vehicle may be covered if the engine is damaged in an accident or by an event outside of your control. A blown engine that's the result of a mechanical failure or wear and tear won't be covered by comprehensive or collision coverage.
What does comprehensive insurance not cover?
Comprehensive coverage does not cover damages caused by hitting another vehicle or object. These incidents are covered under collision coverage. It will also not cover normal wear and tear on your vehicle.
Will insurance total a car for engine failure?
Your car insurance will only cover engine failure if it's a result of a covered accident or peril. It will not cover engine failure as a result of lack of maintenance, which is why it's so important to schedule regular maintenance for your car.
Does replacing the engine reset mileage?
No, replacing your car's engine won't reset its mileage. The odometer is connected to the front wheel hub rather than the engine, and any changes made to the engine, even as far as replacing it - won't affect the odometer.
How to trade in a car with a bad engine?
Many individuals trade in previously owned automobiles specifically due to the problems. Your dealership will need to do an evaluation of your vehicle to provide you an exact trade-in value, but the basic rule of thumb is almost any kind of dealership will trade in any type of automobile as long as it is driveable.
How long will a car last after engine replacement?
So what can you expect when you're replacing it with a rebuilt engine? Though a rebuilt engine may not always have the same lifespan as the original, it can last for upwards of 100,000 miles. This can double the overall lifespan of your vehicle, and with regular maintenance, you can help it last even longer.