Your policy will not cover engine failure, but the damage may be covered if you can prove it was caused by road debris. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. So, if you were in a car accident and the mechanic found that the transmission was damaged from the incident, it would be covered by your car insurance policy. The insurance claim engineer said that the transmission fluid leak was not caused by the accident but I have never had any problems with this car in the five years I have had it. In most cases, engine failure is not covered by your car insurance. A car insurance claim for engine failure would fall more under the concept of an extended warranty in most cases. Whether it's routine maintenance, a mechanical failure or a blown engine, car insurance will most likely not cover the costs of repairing or replacing your vehicle. luckily my sons school and my workplace is 5 Minuit round trip and I very rarely do a longer journey than 30 minuits and I garage my car 90 percent of the time. Collision insurance covers damage to your vehicle from an accident or collision. In this sense, a collision or accident, and the damage that results, constitutes a covered event if you have collision insurance. Mechanical Breakdown Insurance coverage is in excess of coverage provided by your manufacturer's warranty. None of those four required car insurance coverages applies to your insured vehicle. Car insurance policies must provide required coverage which can include liability for bodily injury, liability for property damage, personal injury protection, and uninsured motorist coverage. But car insurance won’t pay for maintenance or repairs for things like normal wear and tear and mechanical failure. Gap insurance only covers the difference between an auto loan or lease balance and the vehicle's value, and it only covers that gap if the car is totaled in an event covered by comprehensive or collision insurance, or by the at-fault driver's liability insurance. No, gap insurance does not cover engine failure. The National Association of Insurance Commissioners says that maintenance, such as an oil change, is typically not included in car insurance coverage. Read the policy amendment for the complete terms and conditions of this coverage. Comprehensive coverage covers damage to your vehicle caused by something other than an accident. In fact, the average car insurance policy will not cover any mechanical breakdowns on your vehicle – whether it’s a blown engine, a seized engine, engine failure, a faulty transmission, or … Car Insurance for Engine Failure Car insurance for engine failure is a common misconception. If you run a red light and collide with another vehicle, or if you veer off the road and strike a tree, your collision policy should cover the damages.. This includes such things as theft, vandalism, natural disaster, fire, hitting an animal, and in many cases, road debris. However, not all policies are the same and the types of damage covered can vary between insurance companies. First, let’s make one thing clear: car insurance does not typically cover engine damage. Mechanical breakdown insurance covers major failures that can occur in your car, which are often excluded in basic auto insurance. – Collision Insurance. If you have auto insurance, specifically collision and comprehensive coverage, it does cover repairs when you get into an accident or when your car is damaged by a natural disaster. Whether it's bad brakes, transmission issues, the electrical system or any other major vehicle system malfunction, MBI covers the repairs.