Does car insurance cover if your engine blows? (2024)

Does car insurance cover if your engine blows?

If a blown engine is the result of a mechanical failure, the damage won't be covered by comprehensive or collision insurance. However, car repair insurance, or mechanical breakdown insurance (MBI), will often cover a blown engine.

Does insurance cover if my engine blows?

Typically, car insurance—including gap insurance—doesn't cover engine failure unless it results directly from an accident or another incident covered by your insurance. However, there may be some options for coverage that can protect your finances even when an accident does not occur.

What happens if your engine blows and you still owe money?

Regardless of the shape of the vehicle, you still owe the finance company money and are obligated to make payments or else they can repossess the vehicle and get a deficiency judgment against you for the difference between what the vehicle sells for at auction (with a blow engine) and the balance of your loan.

Does the engine affect insurance?

Yes, engine size affects insurance because insurers take specific vehicle details into account when determining car insurance prices. For instance, a car with a bigger, more powerful engine is generally more expensive to insure, since it's associated with faster and riskier driving.

Will insurance cover a blown head gasket?

Insurance coverage for a car's engine

As stated, the regular insurance plans do not include an engine protection cover. Whether the crankshaft or gasket blows up, you can't claim unless you have an add-on cover.

What is a fully blown engine?

There is no one way to blow an engine, but it refers to a motor that has suffered catastrophic internal mechanical damage. An engine doesn't actually blow up, even though there may be smoke, steam, or rarely even fire. The damage is so extensive that it affects the majority of the engine parts.

What to do with a car with a blown engine?

You could donate your car with a blown engine, sell your car, fix it, or sell it it for scrap metal. We have experience dealing with this problem. If your vehicle has experienced engine failure, it's natural to find what is your car worth. Your car's motor doesn't need to run for you to get fair market value.

Can you save a blown engine?

Repairing a blown engine will depend on the extent of the damage. It's possible to fix minimal problems such as a broken head gasket, piston, or timing belt. However, some defects are overwhelming to repair, and engine replacement may be the only option.

Is it worth to repair a blown engine?

Blown Engines

Your engine is a network of connected parts and systems. When an engine faces severe damage, it can quickly spread from one component to the next. Repairing your engine at this stage is often not an option. Instead, you will need to explore your replacement options—for your engine or your vehicle.

How much is a car worth with a blown engine?

The value of a vehicle with engine problems depends on numerous factors including the year, make, model, mileage, condition, location, and more. If your engine blows up on you and you want to sell it, we can pay anywhere from $500 to $10,000 or more depending on what kind of car you have.

Does State Farm cover blown engines?

State Farm doesn't offer mechanical breakdown insurance, but it does offer excellent auto insurance with add-on coverage options to protect your vehicle.

Does warranty cover engine replacement?

A powertrain warranty covers the cost of expensive repairs or replacement of all of the major components of the powertrain, including the engine, transmission, drive axle and turbocharger.

Does full coverage insurance cover transmission failure?

Standard auto insurance policies typically do not cover transmission repair or replacement costs due to mechanical failures. However, coverage may be available in specific situations, such as accidents, collisions, or comprehensive incidents.

Is an engine with a blown head gasket worth fixing?

Still having trouble deciding whether fixing your head gasket is a good investment? Here's a rule of thumb: Only replace the head gasket if the vehicle is worth at least double the cost of the repair. If it's not, you're likely better off getting a new (to you) car.

How long will a car last with a blown head gasket?

When a gasket fails it can do serious damage to your car, so it is important to know the warning signs and what you need to do to get it fixed. Depending on how severe the leak or perforation is, a car usually does not last longer than a month with a blown head gasket.

Is an engine ruined if head gasket blown?

Additionally, the blown head gasket may have caused further problems in other engine parts or caused irreversible damage to the engine. If the blown head gasket has caused catastrophic damage, a complete engine may need to be installed or a new vehicle purchased.

How long does it take to fix a blown engine?

A simple engine used in a general transportation car could take up to a week, even if parts are available. More elaborate trucking or commercial engines could take up to a couple weeks or more to complete.

How long does it take to replace a blown engine?

The time it takes for the mechanics to replace your car's engine depends on the model you drive and how old your vehicle is. Most engines can be exchanged in 5-10 hours under normal conditions, but the task might take longer if there are special requirements.

Is it cheaper to rebuild or replace an engine?

Engine replacements can be expensive, as they involve purchasing a new engine, along with the labor and additional parts required for installation. On the other hand, rebuilding an engine involves repairing or replacing only the damaged or worn-out components, which can be significantly more affordable.

Where is the best place to sell a car with a blown engine?

Junkyards: A scrap yard can be a good option to sell your junk car, especially if it's inoperable. Dealerships: Some dealerships will purchase cars that have severe damage, but you may get a lower price than you want.

What are signs of blown head gasket?

Will a seized engine still crank?

The primary sign of a seized engine is a vehicle that doesn't crank or start. In some cases, the engine might turn over slightly (often while making abnormal noises), but it will refuse to crank normally or run. You might also hear a click or clunk noise as the starter tries to engage the engine.

Is it better to replace engine or buy new car?

Depends on how many miles are on the car, the condition and value of the car and whether you like it. If you spend money on a replacement engine and then the transmission fails, you may end up spending more money than the car is worth.

How to get the most money for a car with a blown engine?

Will CarMax buy a car with a blown engine?

You can get an offer from CarMax for a vehicle with mechanical damage, even a blown engine. However, there's two important caveats: CarMax doesn't specialize in cars with mechanical damage. CarMax doesn't tow vehicles — you have to get it to them on your own dime.