Engine and trouble are two words that no motorist wants to hear together, but almost certainly will at some point in their lives. Unfortunately, your auto insurance will only cover engine trouble in certain cases. For example, depending on the kind of auto insurance you have, your insurer may cover damages to your engine if you’re in an auto collision, someone has vandalized it, or if it was damaged during a flood. Other than that, if your engine needs work, it’s probably going to have to come out-of-pocket.
The reason for this is that, while engines are designed to run for hundreds of thousands of miles, they’re not intended to last forever. If you purchased your car new and your engine goes bad relatively soon after, your warranty may cover it. Most new cars come with a standard 100,000-mile or ten-year warranty on the drive train and a 5-year, 50,000-mile bumper-to-bumper warranty. Many used cards also come with a warranty, though it’s mainly just whatever is left over from the original warranty from when the car was new.
Aside from the warranty, the best thing you can do to try and avoid costly engine damage is to service your car regularly. Cars are complex machines, but to keep them in the best shape possible, you need to take care of them. Regular service check-ups can find potential issues before they occur – saving you time and money down the road. Additionally, putting quality fluids in the engine as opposed to cheaper alternatives is also beneficial.
Your auto insurance policy is primarily designed to provide you with coverage in the event of an accident of some kind, vandalism, or natural disasters – it’s not intended to be used to pay for general maintenance or wear-and-tear on the vehicle.