One in four vehicles will experience engine failure during its lifetime, with older models being the most susceptible. If you’re wondering whether auto insurance covers engine failure in Pasadena, CA, this article will help clarify your options. If you don’t currently have auto insurance, now is the time to avoid fines, penalties, suspensions, and impounds by choosing Reinas Insurance Agency Inc.
Does Auto Insurance Cover Engine Failure?
Whether auto insurance covers engine failure depends on the cause of the failure, your policy coverage, and whether you’re at fault. Typically, your auto insurance policy will cover engine failure caused by an auto accident or similar incidents. However, it will not cover engine failure resulting from wear and tear, poor maintenance, or mechanical breakdowns.
Since California is an at-fault state, it’s essential to have coverage that repairs your engine regardless of who is at fault. Collision coverage is ideal for at-fault accidents, while liability coverage pays for damages to the other driver if you’re at fault. If the other driver is at fault, their liability coverage will pay for your engine failure. Comprehensive coverage protects against engine failure caused by fire, severe weather, theft, vandalism, or animal collisions.
If your policy lacks adequate coverage, you may end up paying out of pocket for expenses. That’s why it’s crucial to visit Reinas Insurance Agency Inc. and speak with one of our agents. We can thoroughly review your policy to ensure your coverage meets your needs.
What Covers Engine Failure from Mechanical Breakdowns, Poor Maintenance, or Wear and Tear?
Mechanical breakdown insurance is designed to cover engine failure caused by mechanical issues. For new vehicles, a manufacturer’s warranty typically covers engine failure; however, this coverage is limited by either time or mileage, whichever comes first. An extended warranty can provide additional coverage once the manufacturer’s warranty expires. However, no insurance policy covers negligence or poor maintenance.
If you’re looking for an insurance provider that offers engine failure coverage, Reinas Insurance Agency Inc. offers several plans. We can also reevaluate your existing auto insurance policy and suggest coverage options to protect against engine failure. Contact or visit our Pasadena, CA office for more information on auto insurance.
