When you’re behind the wheel of a car, it’s important to be aware of all the risks you’re taking. Not only are you putting yourself and other drivers in danger, but you could also be damaging your car if something goes wrong. Comprehensive car insurance may cover engine damage in some cases, so be sure to ask your policy if it covers this type of incident.
What is Comprehensive Car Insurance?
Comprehensive car insurance is a type of insurance that covers damages to cars beyond the typical limits of liability. The most common types of damage covered by comprehensive car insurance are damage to the car’s body, liability for injuries that occur in an accident, and loss of use. Comprehensive car insurance can be important if you have a history of accidents or if you drive a high-risk vehicle.
What is Covered by Comprehensive Car Insurance?
The vast majority of comprehensive car insurance policies include coverage for engine damage. This means that repairs to the engine, whether done by a mechanic or by the policyholder themselves, are usually covered. Coverage may also extend to cover costs associated with renting a replacement car while yours is in the shop.
Who is Covered by Comprehensive Car Insurance?
All drivers are covered by comprehensive car insurance, regardless of their age, driving history, or credit score. Comprehensive car insurance policies typically include coverage for damage to the vehicle’s engine, no matter how the damage was caused.
For example, if your car is damaged in a collision and the collision was caused by another driver who didn’t have comprehensive car insurance, your policy may still cover the engine damage.
In general, comprehensive policies will cover damages to the car’s mechanical systems (e.g., engine), as well as property damage (e.g., theft).
Some exceptions to this rule might include coverage for medical expenses related to an accident, which would be covered under a driver’s personal auto insurance policy rather than comprehensive coverage. Comprehensive car insurance is also not typically available when you rent a vehicle.
How does Comprehensive Car Insurance Work?
The term “comprehensive car insurance” can be a little confusing, so here’s a simplified explanation. Comprehensive car insurance policies cover damage to your car from any cause, including accidents, theft, and vandalism. This means that you’re not limited to coverage options offered by standard liability insurance policies.
The main downside to comprehensive policies is that they can be more expensive than standard policies. And because comprehensive coverage includes everything from accidents to theft, it may be hard to find a policy that fits your needs perfectly. If you have questions about whether comprehensive coverage is right for you, talk to your car insurance agent or consult the coverage limits of various policies.
Conclusion
If you’re the type of person who takes your car seriously, comprehensive car insurance may be a good fit for you. This kind of coverage includes not just damages to your vehicle from accidents, but also damage caused by things like theft and vandalism. If you have comprehensive car insurance and your engine is damaged in an accident, it can cover costs like repairs, replacements, and even lost wages. So whether you’re driving a vintage Mustang or a brand-new Hyundai Sonata, make sure to have comprehensive car insurance in case of an accident.