If you’re like most drivers, you probably think that car insurance covers any damage done to your vehicle, regardless of who was at fault. Well, this isn’t always the case – and engine blowing up is a good example. In many cases, car insurance won’t cover damage done to your engine if it’s the result of a mechanic or other professional doing their job correctly.
What is Engine Blowing Up?
If your car engine is blowing up, you may be wondering if your car insurance will cover the damage. Unfortunately, most car insurance policies do not cover engine problems, even if they are the result of an accident.
If you believe your car insurance should cover engine problems, you should speak to your insurer to see if there is a coverage exception that might apply. Additionally, you may want to consider filing a claim with your insurance company in case the damage was too extensive to repair.
Types of Car Insurance
If you own a car, then chances are you’re familiar with the term “car insurance.” This type of coverage protects you and your vehicle in the event of an accident or theft. There are a few different types of car insurance, and each offers its own unique set of benefits. Here are some of the most common types:
Personal Auto Insurance: This type of insurance covers you and your passengers in the event that you get into a car accident. It also covers damage to your vehicle that is caused by someone else. Personal auto insurance can be expensive, but it’s important to make sure you have enough coverage to cover your costs.
Collision Coverage: If you get into a car accident, this coverage will help pay for the damages to your car. This includes not only damage to the exterior of your car, but also any damage done to the engine, transmission, and other important parts. Collision coverage is usually required by law in most states.
Uninsured/Underinsured Motorist Coverage: If you get into a car accident with someone who doesn’t have insurance, or if they have insurance but their policy doesn’t.
How to Claim on Car Insurance
When you have a car accident, be sure to take pictures and video of the scene. This will help you document the damage to your car, and make the insurance company work harder to get you as much money as possible. You may also be entitled to receive compensation for personal injuries. To claim on your car insurance, follow these steps:
1. Make a list of your damages. This includes things like broken windows, dented doors, and scratches on the paint. If you were in an accident with someone else’s car, make sure to also list their damages.
2. File a police report if necessary. This will help prove that the accident happened and that you were injured as a result.
3. Take pictures of your car and any witnesses who were present at the accident. This will help document what was wrong with your car and who was responsible for it.
4. Contact your insurance company as soon as possible after the accident. Explain what happened, and provide any documentation that you have gathered so far. Be persistent if you need to—most companies are willing to settle claims quickly if they think they can get away with it.
Conclusion
If you’ve ever had to deal with an engine blowing up, then you know that it can be a very costly experience. If your car is covered by car insurance, then your policy will likely cover the cost of replacing your vehicle. Make sure to read your policy carefully and make sure to ask about coverage for engine blowing up.