Lilah Butler, Car Insurance Writer
@lilah_c
Yes, car insurance covers engine failure, but only if it was caused by a covered scenario like an accident or vandalism. For instance, if a crash leads to engine failure, the policyholder’s collision insurance will cover repairs, but not if the damage was caused by poor maintenance, negligence or wear and tear. It’s also worth noting that comprehensive and collision are optional according to state laws, so be sure to check your coverage details to see if your policy will apply to the situation.
If the engine problem was not caused by a covered scenario, it might still be covered if you have mechanical breakdown insurance (MBI). Comprehensive, collision, and mechanical breakdown insurance are usually subject to a deductible, so you won’t be able to file a claim if the cost of the damage is less than your deductible. Additionally, if the damage is minor, it might not be worth filing a claim, since claims usually cause insurance rates to increase.
For more information about what is covered by different types of car insurance, check out WalletHub’s guide to how car insurance works.
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