Does car insurance cover engine failure?

Does car insurance cover engine failure? The answer is usually no. However, some supplementary options, such as comprehensive, collision, or mechanical breakdown insurance might help in certain situations. If you don't want to purchase additional insurance, your car's warranty can also help pay for any engine-related damages.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 19, 2021

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The Highlights

  • Basic car insurance usually does not cover engine failure.
  • Some insurance will cover engine failure if an accident happens.
  • If you have an insurance policy with mechanical breakdown coverage, it should cover engine failure.
  • If you purchase an extended warranty for your car, it should cover the expenses of engine failure.

At some point, every driver will need to get their car repaired. Sometimes the issues are minor. Other times, things are far worse.

So does car insurance cover engine failure? Unfortunately, the answer is usually no.

If you’re in an accident, certain supplemental coverage may cover engine failure. For that to happen, you need to prove the damage was directly related to the accident.

Some insurance companies offer mechanical breakdown insurance (MBI). This covers any mechanical issues your car has, including engine failures. However, not every company offers it.

If your car has a warranty, it will probably pay for the costs of a failed engine. This will be more likely if your warranty is an extended one.

Since every insurance company has a slightly different policy pertaining to engine failure, you should take the time to compare car insurance so you can find a policy that best suits you.

If you’re ready to buy car insurance, you can enter your ZIP code into our free price comparison tool and find affordable auto insurance quotes now.

Does basic car insurance cover engine failure?

Car insurance does not cover a failed engine, especially if it’s just due to wear and tear. For instance, car insurance companies won’t pay for a seized engine. Therefore, buying additional insurance is the only way to cover engine failure.

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What kinds of supplementary car insurance cover engine failure?

If you purchase certain additional types of car insurance, there’s a chance you’ll be covered for engine failure.

One such policy is collision coverage. As its name suggests, it protects your vehicle in the event of a collision. If you can prove that the engine failed because of said collision, this insurance will cover the repair costs.

Another example is comprehensive coverage. This protects you in the event of any damage that isn’t the result of a collision. Situations covered by comprehensive insurance include natural disasters, fires, and acts of vandalism.

Just like with collision coverage, you must prove that the engine failure was a direct result of the accident to get your comprehensive insurance to cover you.

Some people believe GAP insurance pays for an engine failure, but this is not the case. Just like the other policies listed above, GAP insurance only pertains to damages sustained in an accident.

What is mechanical breakdown insurance?

The policy that’s most likely to cover a failed engine is mechanical breakdown insurance (MBI). This is a supplemental insurance option that covers mechanical issues with your car, such as engine failure.

Not every car insurance company offers MBI, however. GEICO does, but others such as Progressive and State Farm do not.

Could my car’s warranty cover engine failure?

If you are still in your car’s warranty period, the costs of a failed engine will be covered by the manufacturer. This is especially true if you have an extended warranty.

There are usually two parts to a car warranty:

  • A bumper-to-bumper warranty, which includes every part of a car.
  • A powertrain warranty, which only pertains to the car parts that make your vehicle move, such as your engine.

The specifics of the warranty’s benefits will depend on the manufacturer of the car. For example, Chevrolet’s 2020 Extended Warranty covers you for 5 years or 60,000 miles, whichever comes first.

Some people elect to stick with an extended warranty instead of purchasing additional insurance such as MBI.

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Car Insurance and Engine Failure: Final Thoughts

If your engine fails, most basic insurance won’t cover the repairs. To amend this, invest in additional insurance options.

Comprehensive coverage and collision coverage address engine failure, but only if the damage was sustained during an accident.

Some companies offer mechanical breakdown insurance. That being said, many don’t, so be prepared to dig around a little.

Engine failure is often covered by your car’s warranty, so if you’re still within that time period you don’t need to buy additional insurance.

If you’re looking for affordable car insurance that will cover you in the event of an engine failure, we can help! By entering your ZIP code into our free tool, you can start comparing auto insurance rates today.

References:

  1. https://www.chevrolet.com/owners/warranty

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