Will my insurance total my car for a blown engine?

Asked by: Dr. Zachary Kunde  |  Last update: February 11, 2022
Score: 4.1/5 (6 votes)

Typically, car insurance does not cover engine failure, even if you have full coverage. The exception is if the mechanical problem or blown engine can be directly linked to a covered claim.

Does insurance cover blown engine?

Yes, car insurance covers engine blowing up, but only if it was caused by a covered scenario like an accident or vandalism. For instance, if a crash leads to engine blowing up, the policyholder's collision insurance will cover repairs, but not if the damage was caused by poor maintenance, negligence or wear and tear.

Can a car be totaled from engine failure?

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 do you do if your car has a blown engine?

While a car with a blown engine might now be worth much to you – or anybody else for that matter – most car dealerships will accept it in a trade. With this, you can trade in your car to help pay for a new one. The car dealership will then take your car and either sell it or use it for pieces.

How much does a new engine cost?

New engines start at around $4,000 for a 4-cylinder, around $5,500 for a V6 and $7,000 for a V8. Prices increase from these figures based on complexity of the engine and the brand of car.

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Will State Farm cover a blown engine?

Does State Farm cover blown engines? Yes, if you have State Farm® Comprehensive Coverage. Comprehensive coverage covers a vehicle that's stolen or damaged by something other than collision or rolling over – like a blown engine. Enter your ZIP code below to view companies that have cheap auto insurance rates.

Can you trade in a car with a blown engine?

If you have a non-running car, you are probably wondering, “Can you trade in a car with a bad engine?” The simple answer is yes, you can. While a used car dealership will allow you to trade in your broken vehicle, you won't be taking home a large check at all.

Will a car start with a blown engine?

Will a car start with a blown engine? A blown engine may start, but will run erratically and often with many strange metallic or knocking sounds. Revving a blown engine may produce increased noise, smoke and vibration.

How much does it cost to fix a blown engine?

A typical engine rebuild is between $2,500 and $4,000 in parts and labor costs. This type of engine repair might include simply replacing bearings and seals, and obviously taking the engine out and re-installing it. It could be much higher too.

How much is my car worth with a blown engine?

How Much Is My Car Worth With A Blown Engine? Without a functioning engine, you can expect to get at least $3,000 less for your car as a sales price than you would get for a functioning vehicle. So if your vehicle is worth $10,000 in good condition, you should expect to get something closer to $4,000 to $7,000 for it.

Can a blown engine be fixed?

If you do have a blown engine, whether or not it can be fixed depends upon the extensiveness of the damage. If the damage is minimal, and a few parts can be replaced, the problem can be fixed. However, if the damage is great and impossible to repair, you may need a complete engine replacement.

Who buys a car with a blown engine?

Copart Direct buys cars with engine problems and other mechanical damage, both big and small. You can sell a car with mechanical damage with just one call. If your repair bills are becoming more than your car's worth, selling your vehicle to Copart Direct is the smartest way to get cash fast.

Does full coverage cover at fault accidents?

So what does full coverage car insurance cover? In most cases, it includes liability, comprehensive, and collision coverage. Collision and comprehensive will protect you and your vehicle if you get into an accident. If you're found at fault for an accident.

Does warranty cover engine failure?

Coverage For Your Engine Is Standard With Almost All Warranty Plans. The backbone for nearly all non-specialized extended warranty plans is your car's powertrain which comprises the engine, the transmission, and the drivetrain itself.

Does extended warranty cover engine replacement?

An extended car warranty acts like an insurance policy for your car's major components. ... But in general, extended warranties cover the critical mechanical parts of your vehicle, including the engine, transmission, axles, and gaskets.

What happens when you total your car with full coverage?

Your insurer will determine whether the vehicle is a total loss, based on repair costs. Your insurer will issue payment for the actual cash value of the totaled vehicle, minus your deductible on your comprehensive or collision coverage.

Should I file an insurance claim if I am at fault?

You should always file an insurance claim after an accident involving injuries. ... If the insurance adjuster finds that the other driver was at fault, your insurer will pay your claim and seek reimbursement from the at-fault driver's insurance policy.

What damage does car insurance not cover?

Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder's injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.

Is getting a new engine like getting a new car?

In some cases, engine replacement is a viable alternative to acquiring a new vehicle. It can be done for a fraction of the cost, plus you avoid taxes, license fees, and insurance expenses that are incurred in vehicle replacement. Replacing an engine can save money and extend vehicle life.

Do dealerships replace engines?

Yes, it's true that some cars receive engine replacements under warranty, which means the repairs are carried out by trained dealership technicians. But others receive engine replacements from less skilled workers, which could lead to problems down the line if the replacement wasn't performed correctly.

Can I trade in my car if it has mechanical problems?

Trading in a car with mechanical components is usually not a huge problem. Most dealerships will consider taking your car on trade. But beware, you're probably not going to get the most value for it. Because the dealer needs to fix it or sell it as is AND make money, your appraised value will be lower than you expect.

What are signs that your motor is blown?

Signs Of A Blown Engine
  • Excessive Smoke. Clear smoke coming from your car's tailpipe may not be a big deal. ...
  • Blue Smoke. ...
  • White Exhaust Smoke. ...
  • Black Smoke. ...
  • Engine Won't Start. ...
  • Coolant In The Engine. ...
  • Suspicious Noises. ...
  • Rattling Or Knocking Noise.

What causes a blown engine?

Blown engines can be caused by numerous factors. ... Running an engine at high speeds and and excessive revolutions per minute (RPMs) for an extended period can also cause engine failure. A blown engine is often the result of overheating. A serious coolant leak can cause the engine to explode.

How much can I sell my engine for?

On average, this is how much you can sell these parts for if they are already removed: Engine - $500+ (Mileage dependent) Transmission - $250+ (Mileage dependent) Airbags - $150+ (Depending on which bag)