Does car insurance cover engine repair?
Free Car Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Nov 10, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Engine repair is covered if the engine was damaged in an accident. Normal wear and tear or breakdowns are not covered although they can be if you buy extended warranty or you purchase a repair plan.
The insurance company can also offer to consider the car a total wreck if they feel the cost of repairing the engine is unreasonable and over your limit. They could offer to replace your damaged engine with a used engine with the option of no increase on the premium.
This is your call on whether to accept it or not. If you do, request for a certification and warranty on the engine.