Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

Full Bio →

Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 9, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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.

A full coverage auto insurance policy can cover a lot of things but whether or not your auto insurance company is going to pay a claim for engine damage depends on a number of factors.

Use our FREE quote tool to compare auto insurance rates today!

Engine damage is one of the most expensive repairs any vehicle owner can incur so it’s only natural to ask whether or not your auto insurance will cover the damage.

The answer lies in the question “How did the engine damage occur”. Auto insurance coverage is not a replacement for a vehicle warranty and any engine damage covered by auto insurance has to be from the result of a car accident.

Engine Damage from Typical Vehicle Use

If your engine suffers damage from normal wear and tear any auto insurance policy will deny your claim. Vehicles are expected to deteriorate over time and auto insurance is coverage to protect you from damages in a car accident.

Any kind of normal wear and tear or maintenance issues are never covered by auto insurance.

Most new vehicles have pretty extensive warranties behind them and you can even purchase extend warranties for older vehicle.

Engine Damage from a Car Accident

Any damage sustained from a car accident is entirely different than normal wear and tear. Most auto insurance policies will cover any vehicle damage resulting from a car accident including tires, rims and engine damage.

Although the amount of the claim, and whether or not the claim is approved, will depend on the type of auto insurance you have.

Engine damage is certainly not excluded from most auto insurance policies but any coverage has to be from the direct result of damages in a car accident.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

When does auto insurance cover engine damage?

As mentioned above, auto insurance will cover engine damage resulting from a car accident although remember that auto insurance is not just a “cover everything” policy but a combination of different types of insurance which collectively make a policy.

For example:

  • If your engine damage is cause by colliding with another car, the accident was your fault, and you have no collision coverage than any engine damage probably will not be covered – since you didn’t have the right type of auto insurance.
  • If a group of coconuts fall off a palm tree and cause engine damage then you better hope you have comprehensive auto insurance or avoid palm trees altogether.

Its important to understand how collision, comprehensive and liability insurance work and only then can you understand whether or not your unique auto insurance policy will cover engine damage in a car accident.

Who has the best full coverage auto insurance?

Almost all auto insurance companies offer full coverage policies which include collision, comprehensive and liability insurance however just having these types of auto insurance alone is not enough to choose an insurance provider.

You have to learn about policy limits, policy deductibles and compare companies by customer service ratings, how they handle claims and more. Most drivers have a wealth of auto insurance companies to choose from so the trick is to narrow down the field and compare quotes from providers of comparable quality.

The best auto insurance company for you may be very different than for your neighbor however both providers could still be a great choice.

Start an auto insurance comparison search and compare auto insurance quotes for new and used cars online.

Use our FREE quote tool to compare auto insurance rates today!

Related posts:

  1. Full Coverage Car Insurance vs Liability Insurance
  2. Will my auto insurance coverage pay for a cracked rim?
  3. Will auto insurance cover a car accident with a deer?
  4. What is Uninsured Motorist or Under-Insured Motorist Coverage, and Do I Need it?
  5. What is Uninsured and Underinsured auto insurance coverage?