Will My Car Insurance Pay for Engine Repairs?

Will My Car Insurance Pay for Engine Repairs?

When it's covered, and when it's not.

Car troubles can be stressful, and if you’re a Texas driver wondering whether your car insurance will cover engine repairs, the answer depends on what caused the damage.

In most cases, standard car insurance won’t cover engine repairs unless the damage results from a covered accident or peril.

However, there are some exceptions and additional coverage options that may help.

When Does Car Insurance Cover Engine Repairs?

If your engine is damaged in an accident or due to an unforeseen event, your insurance may cover the repairs, but only if you have the right types of coverage:

  • Collision Coverage: If your engine is damaged in a crash, your collision coverage may help pay for repairs.
  • Comprehensive Coverage: If your engine is damaged by an event outside of your control, such as a tree limb falling on your vehicle, flood damage, or vandalism, comprehensive coverage may help cover the repairs.
  • Uninsured/Underinsured Motorist Property Damage Coverage: If you're hit by a driver with little or no insurance, this coverage may pay for engine repairs.

However, if your engine fails due to mechanical breakdown, wear and tear, or lack of maintenance, your insurance likely won’t cover the repairs.

Does "Full Coverage" Car Insurance Cover a Blown Engine?

Many Texas drivers refer to their policy as “full coverage,” but there’s no official insurance policy by that name.

Typically, full coverage means you have comprehensive and collision coverage in addition to the state-required minimum liability coverage.

While these coverages protect against damage from accidents and unexpected events, they don’t cover a blown engine due to regular wear and tear or mechanical failure.

What Are Your Options for Engine Repair Coverage?

If you're worried about costly engine repairs, consider these alternatives:

  • Manufacturer Warranty: If your vehicle is still under the original manufacturer’s warranty or an extended warranty, the manufacturer may cover the cost of engine repairs.
  • Mechanical Breakdown Insurance (MBI): Some insurers offer mechanical breakdown insurance, which functions similarly to a warranty and covers mechanical failures, including engine problems.
  • Vehicle Protection Plans: Some insurers provide additional protection plans that may cover mechanical failures not included in standard policies. Availability varies by state, so Texas drivers should check with their insurer.
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Can You File a Claim for a Blown Engine After an Accident?

If your engine was already having issues before an accident, attempting to claim the damage after the fact could be considered insurance fraud.

Always be honest with your insurer and only file claims for damage directly caused by a covered event.

Final Thoughts for Texas Drivers

Texas drivers should always review their car insurance policies to understand what’s covered.

While standard car insurance won’t cover engine repairs due to normal wear and tear, having the right coverage can protect you from unexpected repair costs in case of an accident or natural disaster.

If you're unsure about your current coverage, reach out to your insurance provider to explore options that may help safeguard your vehicle from costly repairs.

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* Disclaimer: The information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, conditions, and exclusions vary based on individual circumstances and the policies issued. For specific details about your coverage, please refer to your policy documents or consult with a licensed insurance agent. Insurance Select is not responsible for any errors or omissions in the information provided or any actions taken based on it.