Many people are curious whether their insurer will pay for a new motor or engine when the current one goes bad. Bad engine is the most serious problem that can occur with a car. It can occur not only with old cars that have high mileage but also with new cars that have low mileage.
Even though most engines are designed in a way to operate effectively for hundreds of thousands of miles, sometimes they fail to do so. In terms of your finances, it is ok if your car develops a bad motor while being under warranty. However, if the warranty has already ended and the engine goes bad, you will have to make a decision what to do, whether to fix the broken engine or buy a new car.
You can expect your insurance to cover either bad engine or motor only when you have a car accident. In all of the other circumstances, your bad motor will not be covered regardless of the age of your car and the cost of your auto insurance. Car engine insurance is a very rare insurance.
Engine Maintenance
Everything needs maintenance, and a car is not an exception for the rule. You have to take care of you car, wash it, protect it, and load it with quality fuel. Besides, you also need to check your car regularly. By carrying out all of the above mentioned actions you can reduce the expenses on the car and prevent different breakdowns. You should remember that replacing a faulty part would be less pricy than replacing a part that has already failed.
Regardless of how heartily you care about your auto, striving to extend the lifespan of its engine, every engine is just a mechanical device that can break down at any point of time. In this case, you will have to either pay for a repair or buy a new engine. Your decision in this case will depend on the age of your car, its total price, and its mileage.
If the engine of your car turns bad after 500,000 miles of running, in other words, if it has already served for a normal term, you should better trade in for a new auto. However, you can replace the engine of your old car too, and it will cost from $3K to $6K. But keep in mind that changing a motor and leaving an old gear is a bad idea. For this reason, you will have to spend additional $3K – $6K to replace your car’s gear too.
Warranty Coverage
Most of new autos are covered with a warranty. Warranty on the drive train covers either 100,000 miles or ten years, while bumper to bumper coverage covers 50,000 miles or five years. Warranties expire when either number of years or mileage is reached.
It means that if your mileage reaches 50,000 miles in three years instead of five, the warranty will expire. But when you are buying a car, you can also purchase an extended warranty for a particular period.
Used cars sometimes have coverage too, usually it appears to be a remaining term of the automaker’s warranty but extended warranties are provided in some cases as well. Limited warranty is also possible when it comes to this kind of autos. The limit can be 30,000 miles on the drive train and one year or 12,000 miles on bumper to bumper coverage. Coverage starts on the day you buy a car. But if the manufacturer’s warranty for a used car has already expired, this car will have no warranty or guarantee.
Car Insurance Coverage
Various car insurance optional possibilities are available, including car insurance for comprehensive, liability, collision, and many others. However, the type of coverage you can’t buy is the coverage for tear wear and maintenance of your auto. That’s why if the engine of your auto breaks for a natural reason or because of poor maintenance, only you will have to pay for fixing the car. The only exception for the rule is when you have a specific warranty.
Some cases in which your car insurer will pay for an engine that went bad exist. For example, if the damage to an engine was caused by a car accident, a car may be covered. However, in some cases the repair of a bad engine costs too much. The price of a repair may even exceed the insured value of the auto, so the insurer may consider a car as such that doesn’t worth fixing.
A car considered as such that doesn’t worth fixing is called a junk or salvage. In this case, a car is considered to be completely wrecked. Your insurer won’t pay for the repair of any kind, including for fixing the motor. However, they will pay what they have to, based on your policy coverage.
Auto insurance companies usually neither pay for a bad motor or engine nor provide car engine insurance. And generally, a warranty expires before an engine breaks. For these reasons, you should follow what the automaker of your car has specified in the maintenance guidelines. If you take care of your auto, you can increase its lifespan and enjoy driving it for many years and miles.
