Abrupt Engine Failure: Does Car Insurance Cover It?

​Not all car insurance covers sudden engine failure. For instance, if your engine suddenly fails, you might be wondering if your insurance has it covered, even if the engine came with a warranty. Some insurance companies only cover the cost of a rental car in this case and nothing else.

Here are some insurances that are available for you. Although none of them covers car engine failure, they are still worth checking out.

Comprehensive Car Insurance
A Comprehensive Car Insurance policy covers damage to your car from any external event, not just collision. It's an all-inclusive type of coverage that will protect you in the event of vandalism, theft, or fire. Even if you're at fault for an accident, Comprehensive coverage is still available for you.

Liability Coverage
The average cost of a car crash varies from country to country, but in the US, it is about $10,000. Car Liability coverage for property damage will cover damages to other people's cars and injuries to other people in an incident.

Car Collision Insurance Policy
A car collision insurance policy can reimburse you for certain costs, like medical expenses and property damage. The best coverage often includes both liability protection and comprehensive coverage.

Uninsured Motorist Insurance
Uninsured Motorist Insurance only covers your medical expenses and lost wages when you are harmed in a car accident caused by an uninsured driver.

Will Gap Insurance Pay For My Mechanical Problems?
No. Gap coverage is designed to protect you if your car is stolen or written off in an accident. Gap insurance will only pay out if the value of your car is more than the amount you owe. The cover will not pay out until the value of your car drops below the total amount you owe.

How About Mechanical Breakdown Insurance?
In the event of a breakdown, you can be covered for both labor and parts. Suppose your car needs to be repaired or replaced. In that case, MBI will reimburse you by paying the difference between what your warranty covers and what's necessary to fix or replace your vehicle. With an MBI plan, roadside assistance is also included.

Wrap Up
Car Insurance can help you out in an accident, but it has its limits like all insurances. So it’s important to know what your car insurance covers to avoid any confusion.

At Robinsons Insurance Agency LLC, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 254-7350 or Click Here to request a free quote.