Does Car Insurance Cover if Your Engine Blows

If you’re like most drivers, you take car insurance for granted. But what do you do if your engine blows out? For many people, this is a reality they’re familiar with. In fact, according to the National Highway Traffic Safety Administration (NHTSA), about one in four drivers experiences a mechanical failure in their car at some point in their driving lifetime.

What is Car Insurance?

Car insurance is a type of insurance that covers losses that can be associated with a car. This includes things like damage done to the car, personal injury when operating the car, and theft of the car. Car insurance can be tailored to cover a variety of events, so it’s important to know what you’re looking for in a policy.

Some factors you may want to consider include:
-How much coverage do I need?
-What are the deductible and maximum limits?
-What is included in basic liability coverage?
-Do I need uninsured motorist coverage?
-Is collision coverage mandatory?
-Do I need uninsured or underinsured motorist coverage?
Each policy will have different coverage options, so it’s important to read the entire policy before purchasing it.

Types of Coverage

If your engine blows, your car insurance will likely not cover the damages. Your policy may only cover you if your car is a total loss. Here are three types of coverage your car insurance may have:

Collision- Your policy will cover the costs of repairing or rebuildING your car if it is damaged in a collision. This includes damage to the car itself, as well as any injury or loss of life that occurs as a result of the collision.

Liability- If someone else was at fault for the collision and they are required to pay for the damages, your policy may cover that cost, too. This includes things like property damage and personal injury claims.

Uninsured/Underinsured Motorist (UM) Coverage- UM coverage can help protect you from financial losses if someone who doesn’t have insurance hits your car and causes damage. This type of coverage will typically pay for damage done to your vehicle even if the other driver has full coverage.

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What Happens If My Car Gets Blown Up?

If you’re like most drivers, you probably assume your car insurance will cover any damages caused by an engine failure. But what if that’s not the case?

In many states, car insurance only covers damage to your car that’s the direct result of an accident. So if your engine blows up completely – without any accidents involved – your policy likely won’t pay out.

That said, there are a few exceptions to this rule. Some policies will cover engine failures that occur as a result of mechanical problems, such as a snapped belt or blown piston. And some policies will even cover damage caused by intentional acts, like vandalism or theft. Just make sure you read your policy carefully to see if these types of coverage are included.

In any case, it’s always best to have a backup plan in case something goes wrong with your car. That way, you’ll be covered no matter what happens.

Is Car Insurance Worth it?

If you’ve ever been involved in an accident, you know that car insurance can be a big expense. So, is car insurance worth the money? In short, it depends on your situation. If you have a history of driving without insurance, or if your car is particularly expensive or rare, your rates may be higher than average. Conversely, if you’re a safe driver with good credit and a standard model car, your rates may be lower. So, before shelling out your hard-earned money on auto insurance, do some research to see if it’s really worth it for you.


We hope that this article on car insurance and engine blowouts has been helpful. Remember, if you have a car accident and your engine blows, your insurance company may not cover the entire cost of repairing your vehicle. It’s important to familiarize yourself with the various types of coverage that are offered by various insurance companies so that you can make the best decision for your situation.

DynoCar is the best place to find information on all things cars, whether it be a car buying guide or how to change your oil. We’ve made finding and staying in touch with car information easy and fast.



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Information contained herein is for informational purposes only, and that you should consult with a qualified mechanic or other professional to verify the accuracy of any information. shall not be liable for any informational error or for any action taken in reliance on information contained herein.