Most People Get Engine Failure Coverage Wrong

Engine failure can cost thousands — but most drivers misunderstand what insurance actually covers. In the U.S., standard car insurance does NOT cover engine failure caused by wear and tear, age, or poor maintenance. If your engine fails on its own, insurance won’t pay. However, if engine damage happens due to a covered event — like a crash, flood, fire, vandalism, or hitting an animal — collision or comprehensive coverage may apply, minus your deductible. For non-accident engine failures, protection usually comes from warranties, not insurance: • Manufacturer warranty • Extended warranty • Mechanical Breakdown Insurance (MBI) Key takeaway: Insurance covers sudden damage, not mechanical wear. Knowing the difference can save you thousands. 👉 Subscribe for more real-world insurance breakdowns. #CarInsurance #EngineFailure #InsuranceExplained #AutoInsurance #InsuranceTips